BlastPoint's Credit Union Scorecard
THE HEALTH & EDUCATION
Charter #10800 · KY
THE HEALTH & EDUCATION has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 53.9% in tier
- + ROA 1.34% above tier average
- + Net Interest Margin 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.3% in tier
- + Share Certificate Concentration (%): Top 3.1% in tier
- + Net Worth Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 27.6% in tier
- - Membership Headwinds: Bottom 33.8% in tier
- - Stagnation Risk: Bottom 58.2% in tier
- - Member decline: -4.0% YoY
- - Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - Fee Income Per Member: Bottom 2.2% in tier
- - Total Loans: Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,222
-4.0% YoY+0.4% QoQ
|
-3.2K |
15,437
-2.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$121.2M
+4.6% YoY+1.5% QoQ
|
$-110.6M |
$231.9M
+1.3% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.1% in tier |
| Loans |
$44.4M
+3.8% YoY+0.4% QoQ
|
$-103.0M |
$147.3M
-0.1% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.6% in tier |
| Deposits |
$101.3M
+2.9% YoY+1.3% QoQ
|
$-99.6M |
$200.8M
+0.8% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.1%
+0.8% YoY-2.3% QoQ
|
+1.3% |
0.8%
+18.2% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Top 1.7% in tier |
| NIM |
3.9%
+10.4% YoY+0.2% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
49.0%
+2.2% YoY+3.5% QoQ
|
-28.0% |
77.0%
-3.1% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.3% in tier |
| Delinquency Rate |
0.6%
-10.7% YoY+9.1% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
43.8%
+0.9% YoY-0.9% QoQ
|
-28.4% |
72.2%
-1.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.6% in tier |
| AMR |
$11,916
+7.5% YoY+0.6% QoQ
|
$-13K |
$24,676
+3.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.7% in tier |
| CD Concentration |
3.0%
-29.3% YoY-7.0% QoQ
|
-21.5% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)