BlastPoint's Credit Union Scorecard
STATE EMPLOYEES CU OF MARYLAND, INC
Charter #66330 · MD
STATE EMPLOYEES CU OF MARYLAND, INC has 3 strengths but faces 3 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 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 59.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 7.65% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
271,172
+2.7% YoY+1.0% QoQ
|
-36.6K |
307,793
+7.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$5.7B
+2.7% YoY-0.8% QoQ
|
$-41.9M |
$5.8B
-0.2% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
57% |
| Loans |
$4.5B
+2.4% YoY-0.7% QoQ
|
+$321.5M |
$4.2B
+0.4% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$5.0B
+3.9% YoY+2.6% QoQ
|
+$80.8M |
$4.9B
+0.2% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
62% |
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 |
0.7%
+84.2% YoY+3.2% QoQ
|
-0.1% |
0.9%
+47.0% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
49% |
| NIM |
3.0%
+3.3% YoY+1.4% QoQ
|
-0.1% |
3.2%
+9.8% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
74.2%
-4.2% YoY+2.7% QoQ
|
+7.6% |
66.6%
-11.0% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
0.5%
-0.4% YoY-20.1% QoQ
|
-0.2 |
0.7%
+23.3% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
90.0%
-1.4% YoY-3.2% QoQ
|
+5.2% |
84.7%
-0.7% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$34,859
+0.5% YoY+0.0% QoQ
|
+$3K |
$32,237
-7.3% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
37.2%
+4.1% YoY+0.6% QoQ
|
+8.5% | 28.6% | 21.1% | 19.8% | 85% |
| Indirect Auto % |
1.3%
+21.5% YoY-1.3% QoQ
|
-15.0% | 16.4% | 7.3% | 7.7% | 18% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (0)
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)