BlastPoint's Credit Union Scorecard

CAPITAL EDUCATORS

Charter #1040 · ID

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 3 in ID

View Mid-Market leaderboard →

CAPITAL EDUCATORS has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Loan-to-Share Ratio: Top 4.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.7% in tier
- Efficiency Drag: Bottom 15.7% in tier
- Institutional Decline: Bottom 70.0% in tier
- Stagnation Risk: Bottom 92.1% in tier
- Accelerating Exit Risk: Bottom 92.1% in tier
- Membership Headwinds: Bottom 92.1% in tier
- Shrinking Wallet Share: Bottom 98.2% in tier
- Indirect Auto Dependency: Bottom 99.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	100,316 -3.8% YoY-0.7% QoQ	+4.3K	96,048 -2.7% YoY	55,090 +6.4% YoY	33,913 +5.7% YoY	63%
Assets	$1.4B -10.7% YoY-3.1% QoQ	$-316.4M	$1.7B +0.4% YoY	$983.6M +10.6% YoY	$578.3M +9.0% YoY	38%
Loans	$1.1B -12.9% YoY-3.5% QoQ	$-145.6M	$1.2B +0.2% YoY	$811.6M +10.9% YoY	$402.4M +8.7% YoY	46%
Deposits	$1.0B -13.4% YoY-3.6% QoQ	$-432.1M	$1.5B +0.5% YoY	$856.3M +10.5% YoY	$494.3M +9.1% YoY	22%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -75.8% YoY-12.9% QoQ	-0.4%	0.7% +27.6% YoY	0.7% -6.6% YoY	0.4% -39.2% YoY	15%
NIM	3.2% +11.2% YoY+0.7% QoQ	-0.1%	3.4% +6.2% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	39%
Efficiency Ratio	83.2% +30.2% YoY+2.3% QoQ	+8.6%	74.6% -3.0% YoY	76.8% +3.1% YoY	84.6% +2.8% YoY	83%
Delinquency Rate	1.0% -15.7% YoY-20.6% QoQ	+0.2	0.8% +6.9% YoY	0.9% -16.7% YoY	1.2% +3.4% YoY	79%
Loan To Share	103.4% +0.5% YoY+0.2% QoQ	+20.2%	83.2% -0.4% YoY	83.5% -0.7% YoY	65.6% -1.4% YoY	Top 4.9% in tier
AMR	$20,949 -9.7% YoY-2.9% QoQ	$-9K	$29,652 +2.3% YoY	$24,684 +3.7% YoY	$19,920 +1.6% YoY	Bottom 8.8% in tier
CD Concentration	20.7% -8.9% YoY-1.4% QoQ	-8.2%	28.8%	27.2%	19.8%	16%
Indirect Auto %	26.9% -20.8% YoY-9.8% QoQ	+8.9%	18.1%	11.8%	7.7%	72%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Stagnation Risk

risk

#5 of 91 • Bottom 92.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -12.93%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.00%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Shrinking Wallet Share

decline

#8 of 82 • Bottom 98.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -9.72%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#2 of 12 • Bottom 92.1% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -9.72%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

12 of 384 Mid-Market CUs have this signature | 66 nationally

→ No prior data (12 CUs now) | New qualifier

Institutional Decline

decline

#9 of 31 • Bottom 70.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.40B

(Tier: $2.16B, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.82%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -12.93%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

Membership Headwinds

decline

#31 of 91 • Bottom 92.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Liquidity Strain

risk

#75 of 148 • Bottom 5.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 103.36%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -12.93%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#156 of 198 • Bottom 99.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -10.68%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 26.93%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.82%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Efficiency Drag

risk

#89 of 100 • Bottom 15.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.20%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.94% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -3.82%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 103.36%

Peer Median: 85.31%

#15 of 306 Top 4.6% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.67%

Peer Median: 27.93%

#53 of 306 Top 17.0% in 1B-3B tier

Top Weaknesses (12 metrics)

304

Asset Growth Rate

growth

Value: -10.68%

Peer Median: 4.82%

#304 of 306 Bottom 1.0% in 1B-3B tier

304

Deposit Growth Rate

growth

Value: -13.40%

Peer Median: 4.44%

#304 of 306 Bottom 1.0% in 1B-3B tier

303

Loan Growth Rate

growth

Value: -12.93%

Peer Median: 5.67%

#303 of 306 Bottom 1.3% in 1B-3B tier

300

AMR Growth Rate

growth

Value: -9.72%

Peer Median: 3.15%

#300 of 306 Bottom 2.3% in 1B-3B tier

298

Net Worth Ratio

risk

Value: 8.05%

Peer Median: 10.85%

#298 of 306 Bottom 2.9% in 1B-3B tier

280

Member Growth Rate

growth

Value: -3.82%

Peer Median: 2.03%

#280 of 306 Bottom 8.8% in 1B-3B tier

279

Average Member Relationship (AMR)

engagement

Value: $20,949

Peer Median: $28,178

#279 of 306 Bottom 9.2% in 1B-3B tier

259

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Median: 0.66%

#259 of 306 Bottom 15.7% in 1B-3B tier

254

Efficiency Ratio

profitability

Value: 83.20%

Peer Median: 75.16%

#254 of 306 Bottom 17.3% in 1B-3B tier

242

Total Delinquency Rate (60+ days)

risk

Value: 1.00%

Peer Median: 0.63%

#242 of 306 Bottom 21.2% in 1B-3B tier