BlastPoint's Credit Union Scorecard
ANDREWS FEDERAL CREDIT UNION
Charter #5754 · MD
ANDREWS FEDERAL CREDIT UNION has 3 strengths but faces 10 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 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
|
84% |
| 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
|
79% |
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| 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
|
34% |
| 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
|
60% |
| 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
|
79% |
| 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
|
41% |
| CD Concentration |
32.7%
-12.1% YoY-2.2% QoQ
|
+3.7% |
29.0%
+0.7% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
68% |
| Indirect Auto % |
15.7%
+33.2% YoY+15.4% QoQ
|
-3.1% |
18.8%
-3.0% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
49% |
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 (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)