BlastPoint's Credit Union Scorecard

HOWARD COUNTY EDUCATION

Charter #8642 · MD

<100M

2508 CUs in <100M nationally 27 in MD

HOWARD COUNTY EDUCATION has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.90% above tier average
+ Net Interest Margin 1.72% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 1.71% above tier average
- Net Charge-Off Rate: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	3,906 -1.0% YoY+0.4% QoQ	+1.2K	2,676 +1.6% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	78%
Assets	$25.2M -1.5% YoY+1.1% QoQ	$-5.0M	$30.2M +1.3% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	54%
Loans	$15.5M -5.0% YoY-2.0% QoQ	+$207K	$15.3M -2.0% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	63%
Deposits	$22.4M -2.4% YoY+1.1% QoQ	$-3.4M	$25.8M +0.7% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	55%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -17.5% YoY+45.0% QoQ	+0.9%	0.1% -77.6% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	71%
NIM	5.7% +3.0% YoY-1.5% QoQ	+1.7%	4.0% +4.0% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	Top 4.9% in tier
Efficiency Ratio	81.0% +2.0% YoY-0.7% QoQ	-9.7%	90.6% +6.5% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	3.2% +121.7% YoY+49.3% QoQ	+1.7	1.5% +3.8% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	Bottom 10.2% in tier
Loan To Share	69.2% -2.6% YoY-3.1% QoQ	+10.7%	58.5% -3.0% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	66%
AMR	$9,693 -2.5% YoY-0.6% QoQ	$-5K	$14,884 -1.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	27%
CD Concentration	8.1% -4.6% YoY-2.5% QoQ	-16.2%	24.3%	21.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

123

Net Interest Margin (NIM)

profitability

Value: 5.72%

Peer Median: 3.83%

#123 of 2508 Top 4.9% in <100M tier

398

Members Per Employee (MPE)

engagement

Value: 488.250

Peer Median: 333.750

#398 of 2508 Top 15.8% in <100M tier

549

Total Members

engagement

Value: 3,906

Peer Median: 1,918

#549 of 2508 Top 21.9% in <100M tier

Top Weaknesses (3 metrics)

2297

Net Charge-Off Rate

risk

Value: 1.63%

Peer Median: 0.07%

#2297 of 2508 Bottom 8.5% in <100M tier

2252

Total Delinquency Rate (60+ days)

risk

Value: 3.21%

Peer Median: 0.65%

#2252 of 2508 Bottom 10.2% in <100M tier

1905

Net Worth Ratio

risk

Value: 10.93%

Peer Median: 14.28%

#1905 of 2508 Bottom 24.1% in <100M tier