BlastPoint's Credit Union Scorecard
ANDREWS FEDERAL CREDIT UNION
Charter #5754 · MD
ANDREWS FEDERAL CREDIT UNION has 7 strengths but faces 8 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
- + Strong member growth: 11.0% YoY
- + Members Per Employee (MPE): Top 4.0% in tier
- + Total Loans: Top 5.3% in tier
- + Member Growth Rate: Top 6.0% in tier
- + Total Members: Top 8.0% in tier
- + Total Assets: Top 8.7% in tier
- + Loan-to-Share Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10.7% in tier
- - Indirect Auto Dependency: Bottom 27.7% in tier
- - Shrinking Wallet Share: Bottom 90.6% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 6.35% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
- - Net Interest Margin (NIM): Bottom 7.7% in tier
- - AMR Growth Rate: Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 7 that size in Maryland.
- Shares and deposits +4.6% year over year ($2.03B in shares and deposits).
- Membership: 162,195 members, +11.0% vs a year ago.
- Delinquency rate 1.51%.
- Return on assets 0.42%.
- Efficiency ratio 79.37% vs a 73.02% peer average.
- Loan-to-share ratio 102.30% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
162,195
+11.0% YoY+5.8% QoQ
|
+65.3K |
96,861
-1.9% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 8.7% in tier |
| Assets |
$2.7B
+7.8% YoY+4.1% QoQ
|
+$964.0M |
$1.7B
+0.4% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Top 9.0% in tier |
| Loans |
$2.1B
+12.1% YoY+4.3% QoQ
|
+$842.8M |
$1.2B
+0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Top 5.7% in tier |
| Deposits |
$2.0B
+4.6% YoY+1.6% QoQ
|
+$566.9M |
$1.5B
+0.5% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
81% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+9.3% YoY+15.5% QoQ
|
-0.4% |
0.8%
+27.6% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
2.6%
+0.9% YoY+1.2% QoQ
|
-0.8% |
3.4%
+6.6% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio |
79.4%
-1.5% YoY-3.5% QoQ
|
+6.4% |
73.0%
-2.7% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
1.5%
-12.0% YoY+7.2% QoQ
|
+0.6 |
0.9%
+7.3% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.7% in tier |
| Loan To Share |
102.3%
+7.3% YoY+2.7% QoQ
|
+17.6% |
84.7%
+0.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 9.3% in tier |
| AMR |
$25,323
-2.5% YoY-2.7% QoQ
|
$-4K |
$29,575
+1.5% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
27.7%
-17.1% YoY-5.3% QoQ
|
-1.4% | 29.1% | 21.7% | 20.0% | 45% |
| Indirect Auto % |
22.4%
+64.3% YoY+6.3% QoQ
|
+4.3% | 18.1% | 7.3% | 7.7% | 66% |
Signature Analysis
Strengths (0)
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)