BlastPoint's Credit Union Scorecard
EDUCATIONAL SYSTEMS
Charter #10696 · MD
EDUCATIONAL SYSTEMS has 4 strengths but faces 8 concerns
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How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 3.7% in tier
- + ROA 0.38% above tier average
- + AMR Growth Rate: Top 2.9% in tier
- + Loan Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7.1% in tier
- - Credit Quality Pressure: Bottom 39.5% in tier
- - Indirect Auto Dependency: Bottom 51.1% in tier
- - Membership Headwinds: Bottom 96.3% in tier
- - Stagnation Risk: Bottom 96.3% in tier
- - Efficiency ratio 2.49% above tier (higher cost structure)
- - Member decline: -6.9% YoY
- - Member Growth Rate: Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
84,377
-6.9% YoY+0.5% QoQ
|
-11.7K |
96,048
-2.7% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$1.4B
+4.8% YoY+1.6% QoQ
|
$-362.0M |
$1.7B
+0.4% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$1.0B
+15.9% YoY+3.9% QoQ
|
$-174.2M |
$1.2B
+0.2% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
43% |
| Deposits |
$1.2B
+2.4% YoY+1.8% QoQ
|
$-302.3M |
$1.5B
+0.5% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
37% |
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| ROA |
1.1%
+32.0% YoY+59.7% QoQ
|
+0.4% |
0.7%
+27.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
3.3%
-0.8% YoY-0.7% QoQ
|
+0.0% |
3.4%
+6.2% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
77.1%
+4.3% YoY+1.0% QoQ
|
+2.5% |
74.6%
-3.0% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
59% |
| Delinquency Rate |
0.4%
+19.2% YoY-2.7% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
29% |
| Loan To Share |
89.4%
+13.2% YoY+2.1% QoQ
|
+6.2% |
83.2%
-0.4% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$26,106
+16.4% YoY+2.3% QoQ
|
$-4K |
$29,652
+2.3% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
25.8%
+4.9% YoY-0.2% QoQ
|
-3.1% | 28.8% | 21.1% | 19.8% | 38% |
| Indirect Auto % |
34.7%
-3.0% YoY-0.7% QoQ
|
+16.6% | 18.1% | 7.3% | 7.7% | 83% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)