BlastPoint's Credit Union Scorecard
WASHINGTON EDUCATIONAL ASSOC
Charter #16256 · LA
2556 CUs in <100M nationally
109 in LA
WASHINGTON EDUCATIONAL ASSOC has 5 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.98% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Efficiency ratio 4.34% above tier (higher cost structure)
- - Delinquency rate 0.31% above tier average
- - Member decline: -13.2% YoY
- - Member Growth Rate: Bottom 3.3% in tier
- - Total Assets: Bottom 5.7% in tier
- - Total Deposits: Bottom 6.5% in tier
- - Average Member Relationship (AMR): Bottom 7.2% in tier
- - Total Loans: Bottom 7.6% in tier
- - Total Members: Bottom 8.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
322
-13.2% YoY-12.5% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 8.5% in tier |
| Assets |
$1.0M
-1.6% YoY-2.1% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.7% in tier |
| Loans |
$519,686
-11.2% YoY-3.0% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.5% in tier |
| Deposits |
$906,512
-1.3% YoY-2.5% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.5% in tier |
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| ROA |
-0.1%
-107.6% YoY-108.8% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.1% in tier |
| NIM |
4.9%
-9.3% YoY-2.8% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
86.9%
+30.7% YoY+6.0% QoQ
|
+4.3% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
1.9%
+26.9% YoY+14.3% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
57.3%
-10.1% YoY-0.5% QoQ
|
-3.3% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$4,429
+9.3% YoY+11.2% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
290
AMR Growth Rate
growth
Value:
9.28%
Peer Median: -
#290 of 2556
Top 11.3% in <100M tier
403
Net Interest Margin (NIM)
profitability
Value:
4.93%
Peer Median: -
#403 of 2556
Top 15.7% in <100M tier
Top Weaknesses (11 metrics)
2472
Member Growth Rate
growth
Value:
-13.21%
Peer Median: -
#2472 of 2556
Bottom 3.3% in <100M tier
2411
Total Assets
balance_sheet
Value:
$1.03M
Peer Median: -
#2411 of 2556
Bottom 5.7% in <100M tier
2391
Total Deposits
balance_sheet
Value:
$906,512
Peer Median: -
#2391 of 2556
Bottom 6.5% in <100M tier
2372
Average Member Relationship (AMR)
engagement
Value:
$4,429
Peer Median: -
#2372 of 2556
Bottom 7.2% in <100M tier
2364
Total Loans
balance_sheet
Value:
$519,686
Peer Median: -
#2364 of 2556
Bottom 7.6% in <100M tier
2340
Total Members
engagement
Value:
322
Peer Median: -
#2340 of 2556
Bottom 8.5% in <100M tier
2317
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,614
Peer Median: -
#2317 of 2556
Bottom 9.4% in <100M tier
2282
Members Per Employee (MPE)
engagement
Value:
161.000
Peer Median: -
#2282 of 2556
Bottom 10.8% in <100M tier
2195
Return on Assets (ROA)
profitability
Value:
-0.09%
Peer Median: -
#2195 of 2556
Bottom 14.2% in <100M tier
2104
Loan Growth Rate
growth
Value:
-11.23%
Peer Median: -
#2104 of 2556
Bottom 17.7% in <100M tier