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
- + Profitability Leader: Top 7.7% in tier
- + ROA 1.36% above tier average
- + Net Interest Margin 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.2% in tier
- + Share Certificate Concentration (%): Top 3.1% in tier
- + Net Worth Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 5.2% in tier
- - Membership Headwinds: Bottom 10.2% in tier
- - Liquidity Overhang: Bottom 34.6% in tier
- - Member decline: -3.9% YoY
- - Loan-to-Member Ratio (LMR): Bottom 1.1% in tier
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - Fee Income Per Member: Bottom 2.7% in tier
- - Total Loans: Bottom 3.2% in tier
- - Loan-to-Share Ratio: Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,173
-3.9% YoY-5.1% QoQ
|
-3.5K |
15,628
-3.4% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$119.4M
+4.1% YoY-0.0% QoQ
|
$-111.9M |
$231.3M
-0.0% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.9% in tier |
| Loans |
$44.2M
+2.1% YoY+3.0% QoQ
|
$-103.6M |
$147.8M
-1.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.1% in tier |
| Deposits |
$99.9M
-0.3% YoY-0.8% QoQ
|
$-100.4M |
$200.3M
-0.0% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.0% in tier |
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| ROA |
2.1%
+3.2% YoY+6.5% QoQ
|
+1.4% |
0.8%
+15.5% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
Top 2.2% in tier |
| NIM |
3.9%
+11.5% YoY+2.4% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
47.3%
-0.5% YoY-1.3% QoQ
|
-29.9% |
77.3%
-3.0% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate |
0.5%
-11.4% YoY-8.0% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
44.2%
+2.4% YoY+3.8% QoQ
|
-28.5% |
72.7%
-1.5% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.7% in tier |
| AMR |
$11,841
+4.6% YoY+5.7% QoQ
|
$-13K |
$24,363
+2.9% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.7% in tier |
| CD Concentration |
3.2%
-21.1% YoY-6.6% QoQ
|
-21.2% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)