BlastPoint's Credit Union Scorecard
HOWARD COUNTY EDUCATION
Charter #8642 · MD
HOWARD COUNTY EDUCATION has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 1.86% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.60% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,891
-1.1% YoY-2.1% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$24.9M
+0.7% YoY-0.3% QoQ
|
$-5.2M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$15.8M
-4.8% YoY-1.0% QoQ
|
+$47K |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$22.1M
-0.1% YoY-0.4% QoQ
|
$-3.6M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
55% |
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%
+77.8% YoY-14.7% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
5.8%
+14.1% YoY+1.7% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
81.6%
+2.5% YoY-0.2% QoQ
|
-1.0% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
2.2%
+23.3% YoY+92.3% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
71.4%
-4.7% YoY-0.6% QoQ
|
+10.8% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$9,752
-1.0% YoY+1.5% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
8.3%
+2.9% YoY+10.0% QoQ
|
-16.1% | 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)