BlastPoint's Credit Union Scorecard
CECIL COUNTY SCHOOL EMPLOYEES
Charter #8549 · MD
CECIL COUNTY SCHOOL EMPLOYEES has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.92% below tier average
- - Efficiency ratio 52.32% above tier (higher cost structure)
- - Member decline: -10.0% YoY
- - Member Growth Rate: Bottom 5.4% in tier
- - Net Worth Ratio: Bottom 6.0% in tier
- - Loan Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,497
-10.0% YoY-1.2% QoQ
|
-118 |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$25.1M
-2.4% YoY-3.5% QoQ
|
$-5.0M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$9.0M
-18.1% YoY-6.2% QoQ
|
$-6.7M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$22.9M
-0.4% YoY-2.0% QoQ
|
$-2.8M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
-2.3%
-2616.2% YoY-108492.9% QoQ
|
-2.9% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.7% in tier |
| NIM |
3.7%
+2.6% YoY+4.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
134.9%
+62.0% YoY+58.2% QoQ
|
+52.3% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate |
1.5%
-13.4% YoY+4.5% QoQ
|
-0.0 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
39.5%
-17.8% YoY-4.4% QoQ
|
-21.1% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$12,771
+4.2% YoY-2.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
2.4%
+244.9% YoY+3.9% QoQ
|
-22.0% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)