ANDREWS FEDERAL CREDIT UNION

Charter #5754 | MD

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in MD

ANDREWS FEDERAL CREDIT UNION has 3 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 6.9% in tier
  • + Organic Growth Engine: Top 16.0% in tier
  • + Strong member growth: 7.2% YoY

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.5% in tier
  • - Shrinking Wallet Share: Bottom 6.6% in tier
  • - Liquidity Strain: Bottom 26.9% in tier
  • - Flatlined Growth: Bottom 31.4% in tier
  • - Indirect Auto Dependency: Bottom 32.6% in tier
  • - ROA 0.20% below tier average
  • - Efficiency ratio 2.98% above tier (higher cost structure)
  • - Delinquency rate 0.92% above tier average
  • - AMR Growth Rate: Bottom 5.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 146,260
+7.2% YoY+0.1% QoQ
 +47.6K 98,678
-1.9% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 Top 14.1% in tier
Assets $2.5B
+1.1% YoY+0.6% QoQ
 +$788.0M $1.7B
+0.5% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 15.8% in tier
Loans $1.9B
-1.2% YoY+1.3% QoQ
 +$643.0M $1.2B
+0.5% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 Top 12.2% in tier
Deposits $1.9B
+4.4% YoY+0.2% QoQ
 +$490.9M $1.5B
+1.3% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 Top 21.1% in tier
ROA 0.5%
-13.2% YoY+31.1% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 2.6%
-3.5% YoY-0.0% QoQ
 -0.7% 3.3%
+9.3% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 Bottom 13.5% in tier
Efficiency Ratio 77.0%
+2.3% YoY-4.5% QoQ
 +3.0% 74.0%
-10.9% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 60th in tier
Delinquency Rate 1.7%
+19.6% YoY+2.2% QoQ
 +0.9 0.8%
+6.1% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 Top 6.6% in tier
Loan To Share 96.4%
-5.4% YoY+1.1% QoQ
 +11.2% 85.2%
-0.8% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 Top 21.1% in tier
AMR $26,127
-5.2% YoY+0.6% QoQ
 $-3K $29,172
+2.8% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 41st in tier
CD Concentration 32.7%
-12.1% YoY-2.2% QoQ
 +3.7% 29.0%
+0.8% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 68th in tier
Indirect Auto % 15.7%
+33.2% YoY+15.4% QoQ
 -3.1% 18.8%
-2.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 49th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#28 of 138 • Top 6.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 7.18%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth
#117 of 246 • Top 16.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.18%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.50%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 15.70%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (5)

Credit Quality Pressure

risk
#51 of 217 • Bottom 6.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.29% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#21 of 83 • Bottom 6.6% in tier

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

Why This Signature
AMR Growth (YoY): -5.23%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Liquidity Strain

risk
#142 of 183 • Bottom 26.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 96.44%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -1.20%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Flatlined Growth

risk
#12 of 18 • Bottom 31.4% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $2.51B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.06%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.50%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | New qualifier

Indirect Auto Dependency

risk
#202 of 202 • Bottom 32.6% in tier

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

Why This Signature
Asset Growth (YoY): 1.06%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 15.70%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 7.18%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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)

Comparing against 304 peers in tier

Top Strengths (7 metrics)

36
Member Growth Rate
growth
Value: 7.18%
Peer Avg: 2.20%
#36 of 304 Top 11.5% in 1B-3B tier
37
Total Loans
balance_sheet
Value: $1.88B
Peer Avg: $1.23B
#37 of 304 Top 11.8% in 1B-3B tier
38
Members Per Employee (MPE)
engagement
Value: 458.495
Peer Avg: 364.953
#38 of 304 Top 12.2% in 1B-3B tier
43
Total Members
engagement
Value: 146,260
Peer Avg: 98,678
#43 of 304 Top 13.8% in 1B-3B tier
48
Total Assets
balance_sheet
Value: $2.51B
Peer Avg: $1.72B
#48 of 304 Top 15.5% in 1B-3B tier
64
Loan-to-Share Ratio
balance_sheet
Value: 96.44%
Peer Avg: 85.19%
#64 of 304 Top 20.7% in 1B-3B tier
64
Total Deposits
balance_sheet
Value: $1.95B
Peer Avg: $1.45B
#64 of 304 Top 20.7% in 1B-3B tier

Top Weaknesses (5 metrics)

288
AMR Growth Rate
growth
Value: -5.23%
Peer Avg: 3.29%
#288 of 304 Bottom 5.6% in 1B-3B tier
285
Total Delinquency Rate (60+ days)
risk
Value: 1.75%
Peer Avg: 0.83%
#285 of 304 Bottom 6.6% in 1B-3B tier
272
First Mortgage Concentration (%)
balance_sheet
Value: 53.71%
Peer Avg: 34.01%
#272 of 304 Bottom 10.9% in 1B-3B tier
263
Net Interest Margin (NIM)
profitability
Value: 2.58%
Peer Avg: 3.26%
#263 of 304 Bottom 13.8% in 1B-3B tier
248
Loan Growth Rate
growth
Value: -1.20%
Peer Avg: 5.27%
#248 of 304 Bottom 18.8% in 1B-3B tier