BlastPoint's Credit Union Scorecard

CAPITAL EDUCATORS

Charter #1040 · ID

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

CAPITAL EDUCATORS has 1 strength but faces 17 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 7.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 9.0% in tier
- Stagnation Risk: Bottom 10.7% in tier
- Accelerating Exit Risk: Bottom 22.2% in tier
- Institutional Decline: Bottom 24.1% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Liquidity Strain: Bottom 52.1% in tier
- Efficiency Drag: Bottom 60.7% in tier
- Indirect Auto Dependency: Bottom 74.9% in tier
- ROA 0.34% below tier average
- Efficiency ratio 7.24% above tier (higher cost structure)
- Delinquency rate 0.37% above tier average
- Member decline: -2.4% YoY
- Deposit Growth Rate: Bottom 1.7% in tier
- Net Worth Ratio: Bottom 1.7% in tier
- Loan Growth Rate: Bottom 2.0% in tier
- Asset Growth Rate: Bottom 2.3% in tier
- AMR Growth Rate: Bottom 3.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	100,988 -2.4% YoY-0.6% QoQ	+3.6K	97,431 -2.4% YoY	54,272 +7.9% YoY	33,374 +5.7% YoY	62%
Assets	$1.4B -7.9% YoY-3.6% QoQ	$-275.4M	$1.7B +0.9% YoY	$970.0M +13.3% YoY	$561.6M +9.7% YoY	43%
Loans	$1.1B -10.2% YoY-6.1% QoQ	$-128.0M	$1.2B +0.5% YoY	$802.2M +13.5% YoY	$397.0M +8.8% YoY	49%
Deposits	$1.1B -11.1% YoY-4.3% QoQ	$-387.3M	$1.5B +0.9% YoY	$828.5M +12.5% YoY	$477.3M +9.7% YoY	26%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +29.0% YoY-28.3% QoQ	-0.3%	0.7% +20.9% YoY	0.8% +25.2% YoY	0.7% +15.9% YoY	18%
NIM	3.2% +12.6% YoY+2.7% QoQ	-0.1%	3.3% +9.2% YoY	3.7% +5.8% YoY	3.8% +5.1% YoY	41%
Efficiency Ratio	81.3% +12.2% YoY+3.4% QoQ	+7.2%	74.1% -9.5% YoY	73.6% -4.6% YoY	79.7% -3.3% YoY	80%
Delinquency Rate	1.3% -7.4% YoY+11.1% QoQ	+0.4	0.9% +6.2% YoY	0.9% -20.4% YoY	1.3% -2.1% YoY	82%
Loan To Share	103.2% +1.0% YoY-1.8% QoQ	+18.4%	84.8% -0.8% YoY	84.8% -0.9% YoY	67.4% -1.7% YoY	Top 7.6% in tier
AMR	$21,571 -8.4% YoY-4.7% QoQ	$-8K	$29,428 +2.4% YoY	$24,417 +3.6% YoY	$19,687 +2.0% YoY	Bottom 11.6% in tier
CD Concentration	21.0% -9.4% YoY-4.3% QoQ	-8.1%	29.0%	27.2%	19.8%	15%
Indirect Auto %	29.9% -11.9% YoY-5.2% QoQ	+11.5%	18.3%	11.9%	7.8%	76%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Shrinking Wallet Share

decline

#8 of 79 • Bottom 9.0% in tier

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

Why This Signature

AMR Growth (YoY): -8.43%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Stagnation Risk

risk

#10 of 85 • Bottom 10.7% 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): -2.44%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -10.23%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.26%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Accelerating Exit Risk

decline

#3 of 10 • Bottom 22.2% in tier

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

Why This Signature

Member Growth (YoY): -2.44%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -8.43%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

10 of 378 Mid-Market CUs have this signature | 69 nationally

→ No prior data (10 CUs now) | New qualifier

Institutional Decline

decline

#8 of 30 • Bottom 24.1% in tier

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

Why This Signature

Total Assets: $1.45B

(Tier: $2.17B, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.44%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -10.23%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

30 of 378 Mid-Market CUs have this signature | 277 nationally

→ No prior data (30 CUs now) | New qualifier

Membership Headwinds

decline

#43 of 85 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -2.44%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Liquidity Strain

risk

#87 of 166 • Bottom 52.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 103.20%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -10.23%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Efficiency Drag

risk

#55 of 90 • Bottom 60.7% in tier

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

Why This Signature

Efficiency Ratio: 81.29%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.44%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#147 of 196 • Bottom 74.9% in tier

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

Why This Signature

Asset Growth (YoY): -7.92%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 29.85%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.44%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

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 302 peers in tier

Top Strengths (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 103.20%

Peer Median: -

#23 of 302 Top 7.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.96%

Peer Median: -

#48 of 302 Top 15.6% in 1B-3B tier

Top Weaknesses (12 metrics)

298

Deposit Growth Rate

growth

Value: -11.12%

Peer Median: -

#298 of 302 Bottom 1.7% in 1B-3B tier

298

Net Worth Ratio

risk

Value: 7.83%

Peer Median: -

#298 of 302 Bottom 1.7% in 1B-3B tier

297

Loan Growth Rate

growth

Value: -10.23%

Peer Median: -

#297 of 302 Bottom 2.0% in 1B-3B tier

296

Asset Growth Rate

growth

Value: -7.92%

Peer Median: -

#296 of 302 Bottom 2.3% in 1B-3B tier

294

AMR Growth Rate

growth

Value: -8.43%

Peer Median: -

#294 of 302 Bottom 3.0% in 1B-3B tier

267

Average Member Relationship (AMR)

engagement

Value: $21,571

Peer Median: -

#267 of 302 Bottom 11.9% in 1B-3B tier

262

Member Growth Rate

growth

Value: -2.44%

Peer Median: -

#262 of 302 Bottom 13.6% in 1B-3B tier

252

Net Charge-Off Rate

risk

Value: 0.93%

Peer Median: -

#252 of 302 Bottom 16.9% in 1B-3B tier

248

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: -

#248 of 302 Bottom 18.2% in 1B-3B tier

248

Total Delinquency Rate (60+ days)

risk

Value: 1.26%

Peer Median: -

#248 of 302 Bottom 18.2% in 1B-3B tier