BlastPoint's Credit Union Scorecard
ANDREWS FEDERAL CREDIT UNION
Charter #5754 · MD
ANDREWS FEDERAL CREDIT UNION has 6 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 18.4% in tier
- + Organic Growth Engine: Top 42.3% in tier
- + Strong member growth: 7.8% YoY
- + Member Growth Rate: Top 9.3% in tier
- + Members Per Employee (MPE): Top 9.3% in tier
- + Total Loans: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 43.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 95.9% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 3.18% above tier (higher cost structure)
- - Delinquency rate 0.85% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
149,113
+7.8% YoY+2.0% QoQ
|
+51.7K |
97,431
-2.4% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 12.6% in tier |
| Assets |
$2.6B
+4.9% YoY+2.5% QoQ
|
+$845.9M |
$1.7B
+0.9% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Top 12.6% in tier |
| Loans |
$1.9B
+3.5% YoY+3.4% QoQ
|
+$705.3M |
$1.2B
+0.5% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Top 9.9% in tier |
| Deposits |
$1.9B
+5.5% YoY+0.1% QoQ
|
+$488.3M |
$1.5B
+0.9% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.5%
+2.6% YoY+2.1% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
2.5%
-6.8% YoY-1.5% QoQ
|
-0.7% |
3.3%
+9.2% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.3% in tier |
| Efficiency Ratio |
77.2%
+1.1% YoY+0.4% QoQ
|
+3.2% |
74.1%
-9.5% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.7%
-8.9% YoY-0.3% QoQ
|
+0.8 |
0.9%
+6.2% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Top 7.6% in tier |
| Loan To Share |
99.6%
-1.9% YoY+3.3% QoQ
|
+14.8% |
84.8%
-0.8% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Top 12.9% in tier |
| AMR |
$26,070
-3.1% YoY-0.2% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
31.2%
-12.4% YoY-4.7% QoQ
|
+2.1% | 29.0% | 20.4% | 19.8% | 61% |
| Indirect Auto % |
18.2%
+50.1% YoY+16.0% QoQ
|
-0.1% | 18.3% | 7.3% | 7.8% | 55% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)