BlastPoint's Credit Union Scorecard

ANDREWS FEDERAL CREDIT UNION

Charter #5754 · MD

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 7 in MD

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ANDREWS FEDERAL CREDIT UNION has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 7.9% YoY
+ Total Loans: Top 7.2% in tier
+ Members Per Employee (MPE): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 12.5% in tier
- Efficiency Drag: Bottom 19.1% in tier
- Credit Risk Growth: Bottom 36.3% in tier
- Credit Quality Pressure: Bottom 37.9% in tier
- Indirect Auto Dependency: Bottom 56.6% in tier
- Shrinking Wallet Share: Bottom 87.9% in tier
- ROA 0.36% below tier average
- Efficiency ratio 7.60% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	153,258 +7.9% YoY+2.8% QoQ	+57.2K	96,048 -2.7% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	Top 10.5% in tier
Assets	$2.6B +4.4% YoY+0.5% QoQ	+$862.4M	$1.7B +0.4% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	Top 12.4% in tier
Loans	$2.0B +7.7% YoY+2.7% QoQ	+$777.5M	$1.2B +0.2% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	Top 7.5% in tier
Deposits	$2.0B +3.7% YoY+2.6% QoQ	+$532.8M	$1.5B +0.5% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +10.5% YoY-29.3% QoQ	-0.4%	0.7% +27.6% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	21%
NIM	2.6% -0.9% YoY+1.1% QoQ	-0.8%	3.4% +6.2% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	Bottom 9.2% in tier
Efficiency Ratio	82.2% +2.0% YoY+6.5% QoQ	+7.6%	74.6% -3.0% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	1.4% +5.7% YoY-19.4% QoQ	+0.6	0.8% +6.9% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	Bottom 8.5% in tier
Loan To Share	99.6% +3.8% YoY+0.0% QoQ	+16.5%	83.2% -0.4% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	Top 11.1% in tier
AMR	$26,032 -2.1% YoY-0.1% QoQ	$-4K	$29,652 +2.3% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	36%
CD Concentration	29.3% -14.5% YoY-6.1% QoQ	+0.4%	28.8%	21.1%	19.8%	54%
Indirect Auto %	21.0% +73.5% YoY+15.5% QoQ	+3.0%	18.1%	7.3%	7.7%	62%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Liquidity Strain

risk

#39 of 148 • Bottom 12.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.65%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 7.66%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#100 of 183 • Bottom 36.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.66%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Shrinking Wallet Share

decline

#47 of 82 • Bottom 87.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.06%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#144 of 225 • Bottom 37.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Efficiency Drag

risk

#67 of 100 • Bottom 19.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.23%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 7.87%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#179 of 198 • Bottom 56.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.37%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.03%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 7.87%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (7 metrics)

Total Loans

balance_sheet

Value: $1.99B

Peer Median: $1.11B

#23 of 306 Top 7.2% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 484.994

Peer Median: 345.077

#26 of 306 Top 8.2% in 1B-3B tier

Total Members

engagement

Value: 153,258

Peer Median: 85,918

#32 of 306 Top 10.1% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.65%

Peer Median: 85.31%

#34 of 306 Top 10.8% in 1B-3B tier

Member Growth Rate

growth

Value: 7.87%

Peer Median: 2.03%

#35 of 306 Top 11.1% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.58B

Peer Median: $1.51B

#38 of 306 Top 12.1% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.00B

Peer Median: $1.31B

#62 of 306 Top 19.9% in 1B-3B tier

Top Weaknesses (6 metrics)

281

Total Delinquency Rate (60+ days)

risk

Value: 1.40%

Peer Median: 0.63%

#281 of 306 Bottom 8.5% in 1B-3B tier

278

Net Interest Margin (NIM)

profitability

Value: 2.57%

Peer Median: 3.37%

#278 of 306 Bottom 9.5% in 1B-3B tier

269

AMR Growth Rate

growth

Value: -2.06%

Peer Median: 3.15%

#269 of 306 Bottom 12.4% in 1B-3B tier

261

First Mortgage Concentration (%)

balance_sheet

Value: 49.32%

Peer Median: 33.05%

#261 of 306 Bottom 15.0% in 1B-3B tier

244

Efficiency Ratio

profitability

Value: 82.23%

Peer Median: 75.16%

#244 of 306 Bottom 20.6% in 1B-3B tier

242

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Median: 0.66%

#242 of 306 Bottom 21.2% in 1B-3B tier