BlastPoint's Credit Union Scorecard
EDUCATIONAL AND GOVERNMENTAL
Charter #2346 · NY
EDUCATIONAL AND GOVERNMENTAL has 1 strength but faces 5 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 0.49% below tier average
- - Efficiency ratio 12.34% above tier (higher cost structure)
- - Delinquency rate 1.70% above tier average
- - Member decline: -8.0% YoY
- - Member Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,656
-8.0% YoY-11.7% QoQ
|
+3.0K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 10.6% in tier |
| Assets |
$56.2M
-2.2% YoY+0.5% QoQ
|
+$26.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$16.3M
-1.3% YoY+1.1% QoQ
|
+$572K |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$49.0M
-4.7% YoY-0.4% QoQ
|
+$23.3M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
0.1%
-57.9% YoY+7.8% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.9%
+27.5% YoY+4.6% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
94.9%
+4.2% YoY+1.7% QoQ
|
+12.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
3.3%
+826.7% YoY+12.7% QoQ
|
+1.7 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 11.7% in tier |
| Loan To Share |
33.3%
+3.5% YoY+1.5% QoQ
|
-27.3% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.8% in tier |
| AMR |
$11,557
+4.5% YoY+13.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
4.0%
+1.3% YoY-6.6% QoQ
|
-20.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)