CAPITAL EDUCATORS

Charter #1040 | ID

1B-3B (304 CUs) Mid-Market (380 CUs)
3 1B-3B in ID

CAPITAL EDUCATORS has 2 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 32.3% in tier
  • + Loan-to-Share Ratio: Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 2.9% in tier
  • - Membership Headwinds: Bottom 5.4% in tier
  • - Stagnation Risk: Bottom 14.6% in tier
  • - Liquidity Strain: Bottom 16.8% in tier
  • - Indirect Auto Dependency: Bottom 19.8% in tier
  • - ROA 0.22% below tier average
  • - Efficiency ratio 4.67% above tier (higher cost structure)
  • - Delinquency rate 0.31% above tier average
  • - Member decline: -8.7% YoY
  • - Net Worth Ratio: Bottom 0.7% in tier
  • - Deposit Growth Rate: Bottom 2.3% in tier
  • - Loan Growth Rate: Bottom 3.6% in tier
  • - Asset Growth Rate: Bottom 4.3% in tier
  • - Member Growth Rate: Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 101,584
-8.7% YoY-0.6% QoQ
 +2.9K 98,678
-1.9% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 60th in tier
Assets $1.5B
-6.0% YoY-0.6% QoQ
 $-217.1M $1.7B
+0.5% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 50th in tier
Loans $1.2B
-8.1% YoY-1.2% QoQ
 $-55.2M $1.2B
+0.5% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 57th in tier
Deposits $1.1B
-8.4% YoY-1.5% QoQ
 $-333.6M $1.5B
+1.3% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 34th in tier
ROA 0.5%
+181.6% YoY-24.9% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 32nd in tier
NIM 3.1%
+11.0% YoY+4.9% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 36th in tier
Efficiency Ratio 78.6%
+1.4% YoY+5.4% QoQ
 +4.7% 74.0%
-10.9% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 67th in tier
Delinquency Rate 1.1%
-4.4% YoY-2.5% QoQ
 +0.3 0.8%
+6.1% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 Top 18.4% in tier
Loan To Share 105.1%
+0.4% YoY+0.4% QoQ
 +19.9% 85.2%
-0.8% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 Top 5.3% in tier
AMR $22,628
+0.5% YoY-0.7% QoQ
 $-7K $29,172
+2.8% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 Bottom 18.4% in tier
CD Concentration 21.9%
-1.2% YoY-1.6% QoQ
 -7.1% 29.0%
+0.8% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 Bottom 19.0% in tier
Indirect Auto % 31.5%
-14.0% YoY-2.7% QoQ
 +12.7% 18.8%
-2.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 Top 21.9% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#172 of 184 • Top 32.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.48%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -8.66%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (5)

Institutional Decline

decline
#4 of 31 • Bottom 2.9% in tier

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

Why This Signature
Total Assets: $1.50B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -8.66%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -8.07%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | New qualifier

Membership Headwinds

decline
#14 of 85 • Bottom 5.4% in tier

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

Why This Signature
Member Growth (YoY): -8.66%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#36 of 85 • Bottom 14.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.48%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -8.66%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.6K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 21.89%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Liquidity Strain

risk
#89 of 183 • Bottom 16.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 105.10%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -8.07%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#123 of 202 • Bottom 19.8% in tier

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

Why This Signature
Asset Growth (YoY): -5.95%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 31.49%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -8.66%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

16
Loan-to-Share Ratio
balance_sheet
Value: 105.10%
Peer Avg: 85.19%
#16 of 304 Top 4.9% in 1B-3B tier
62
Share Certificate Concentration (%)
balance_sheet
Value: 21.89%
Peer Avg: 28.53%
#62 of 304 Top 20.1% in 1B-3B tier

Top Weaknesses (9 metrics)

303
Net Worth Ratio
risk
Value: 7.65%
Peer Avg: 11.44%
#303 of 304 Bottom 0.7% in 1B-3B tier
298
Deposit Growth Rate
growth
Value: -8.43%
Peer Avg: 5.58%
#298 of 304 Bottom 2.3% in 1B-3B tier
294
Loan Growth Rate
growth
Value: -8.07%
Peer Avg: 5.27%
#294 of 304 Bottom 3.6% in 1B-3B tier
292
Asset Growth Rate
growth
Value: -5.95%
Peer Avg: 4.83%
#292 of 304 Bottom 4.3% in 1B-3B tier
289
Member Growth Rate
growth
Value: -8.66%
Peer Avg: 2.20%
#289 of 304 Bottom 5.3% in 1B-3B tier
249
Total Delinquency Rate (60+ days)
risk
Value: 1.14%
Peer Avg: 0.83%
#249 of 304 Bottom 18.4% in 1B-3B tier
248
Average Member Relationship (AMR)
engagement
Value: $22,628
Peer Avg: $29,172
#248 of 304 Bottom 18.8% in 1B-3B tier
241
Indirect Auto Concentration (%)
balance_sheet
Value: 31.49%
Peer Avg: 18.32%
#241 of 304 Bottom 21.1% in 1B-3B tier
240
Net Charge-Off Rate
risk
Value: 0.88%
Peer Avg: 0.60%
#240 of 304 Bottom 21.4% in 1B-3B tier