BlastPoint's Credit Union Scorecard
EDUCATION PERSONNEL
Charter #1969 · IL
EDUCATION PERSONNEL has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Efficiency ratio 3.91% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,266
+1.9% YoY+0.8% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$72.4M
+4.2% YoY+1.1% QoQ
|
+$42.2M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 11.5% in tier |
| Loans |
$30.3M
-7.4% YoY-0.7% QoQ
|
+$14.5M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$63.6M
+3.3% YoY+1.1% QoQ
|
+$37.9M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 10.2% in tier |
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| ROA |
0.5%
+27.2% YoY-11.0% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.0%
+14.4% YoY+0.3% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
86.5%
-1.5% YoY+1.6% QoQ
|
+3.9% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
1.2%
+22.9% YoY-16.1% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
47.7%
-10.3% YoY-1.8% QoQ
|
-13.0% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$22,004
-2.2% YoY-0.2% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 14.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
2.3%
+136.0% YoY-17.0% QoQ
|
-11.5% | 13.8% | 7.1% | 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)