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 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 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
- - Credit Quality Pressure: Bottom 17.2% in tier
- - Liquidity Strain: Bottom 40.9% in tier
- - Credit Risk Growth: Bottom 78.1% in tier
- - ROA 0.09% below tier average
- - Efficiency ratio 7.73% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - First Mortgage Concentration (%): Bottom 5.1% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 3 that size in Maryland.
- Shares and deposits +6.1% year over year ($5.02B in shares and deposits).
- Membership: 274,489 members, +2.8% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 0.84%.
- Efficiency ratio 72.91% vs a 65.18% peer average.
- Loan-to-share ratio 90.54% vs a 85.64% 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 |
274,489
+2.8% YoY+1.2% QoQ
|
-36.4K |
310,918
+6.0% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$5.8B
+3.5% YoY+1.8% QoQ
|
+$44.1M |
$5.8B
-1.1% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$4.5B
+1.8% YoY+1.6% QoQ
|
+$346.0M |
$4.2B
-0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$5.0B
+6.1% YoY+0.9% QoQ
|
+$126.3M |
$4.9B
-1.3% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
0.8%
+48.4% YoY+12.9% QoQ
|
-0.1% |
0.9%
+35.3% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.1%
+2.3% YoY+0.7% QoQ
|
-0.1% |
3.2%
+9.5% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
72.9%
-3.1% YoY-1.8% QoQ
|
+7.7% |
65.2%
-9.0% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
0.9%
+39.7% YoY+59.5% QoQ
|
+0.1 |
0.8%
+23.8% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
90.5%
-4.1% YoY+0.7% QoQ
|
+4.9% |
85.6%
-0.2% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$34,855
+1.2% YoY-0.0% QoQ
|
+$3K |
$32,010
-7.3% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
37.1%
+5.5% YoY-0.1% QoQ
|
+8.8% | 28.3% | 21.7% | 20.0% | 85% |
| Indirect Auto % |
1.3%
+4.0% YoY-4.4% QoQ
|
-15.5% | 16.8% | 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 (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)