BlastPoint's Credit Union Scorecard
CAPITAL EDUCATORS
Charter #1040 · ID
CAPITAL EDUCATORS faces 8 concerns requiring attention
How does the industry compare?
What's your peer group doing?
How does ID stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.8% in tier
- - Liquidity Strain: Bottom 12.5% in tier
- - Institutional Decline: Bottom 72.3% in tier
- - Stagnation Risk: Bottom 86.8% in tier
- - Accelerating Exit Risk: Bottom 86.8% in tier
- - Membership Headwinds: Bottom 86.8% in tier
- - Shrinking Wallet Share: Bottom 98.7% in tier
- - Indirect Auto Dependency: Bottom 99.7% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Idaho.
- Shares and deposits -11.2% year over year ($1.01B in shares and deposits).
- Membership: 99,861 members, -2.3% vs a year ago.
- Delinquency rate 1.03%.
- Return on assets 0.28%.
- Efficiency ratio 85.36% vs a 73.02% peer average.
- Loan-to-share ratio 100.95% vs a 84.71% 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 (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
99,861
-2.3% YoY-0.5% QoQ
|
+3.0K |
96,861
-1.9% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$1.4B
-10.4% YoY-3.5% QoQ
|
$-369.9M |
$1.7B
+0.4% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$1.0B
-14.4% YoY-4.5% QoQ
|
$-213.9M |
$1.2B
+0.7% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$1.0B
-11.2% YoY-2.2% QoQ
|
$-452.7M |
$1.5B
+0.5% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
0.3%
-55.4% YoY-4.9% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.7% in tier |
| NIM |
3.3%
+11.8% YoY+3.0% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
85.4%
+14.4% YoY+2.6% QoQ
|
+12.3% |
73.0%
-2.7% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.7% in tier |
| Delinquency Rate |
1.0%
-12.0% YoY+2.3% QoQ
|
+0.2 |
0.9%
+7.3% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
101.0%
-3.6% YoY-2.3% QoQ
|
+16.2% |
84.7%
+0.1% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
Top 11.0% in tier |
| AMR |
$20,338
-10.8% YoY-2.9% QoQ
|
$-9K |
$29,575
+1.5% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.0% in tier |
| CD Concentration |
22.0%
-1.4% YoY+6.2% QoQ
|
-7.1% | 29.1% | 31.4% | 20.0% | 21% |
| Indirect Auto % |
25.2%
-22.2% YoY-6.5% QoQ
|
+7.1% | 18.1% | 14.2% | 7.7% | 70% |
Signature Analysis
Strengths (0)
Concerns (8)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)