BlastPoint's Credit Union Scorecard
HOWARD COUNTY EDUCATION
Charter #8642 · MD
HOWARD COUNTY EDUCATION has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.81% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Delinquency rate 1.21% above tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits -1.6% year over year ($22.1M in shares and deposits).
- Membership: 4,062 members, +2.7% vs a year ago.
- Delinquency rate 2.76%.
- Return on assets 0.78%.
- Efficiency ratio 84.73% vs a 88.77% peer average.
- Loan-to-share ratio 69.48% vs a 58.89% 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 |
4,062
+2.7% YoY+4.0% QoQ
|
+1.5K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$25.0M
-0.8% YoY-0.8% QoQ
|
$-5.3M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$15.4M
-5.5% YoY-0.8% QoQ
|
$-94K |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$22.1M
-1.6% YoY-1.2% QoQ
|
$-3.7M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
0.8%
-10.8% YoY-25.3% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
5.7%
+2.1% YoY-0.3% QoQ
|
+1.8% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Top 5.0% in tier |
| Efficiency Ratio |
84.7%
+5.6% YoY+4.7% QoQ
|
-4.0% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
2.8%
+46.0% YoY-14.0% QoQ
|
+1.2 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.4% in tier |
| Loan To Share |
69.5%
-3.9% YoY+0.4% QoQ
|
+10.6% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$9,227
-5.8% YoY-4.8% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
10.3%
+22.1% YoY+27.6% QoQ
|
-14.2% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 7.7% | 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)