BlastPoint's Credit Union Scorecard
WASHINGTON EDUCATIONAL ASSOC
Charter #16256 · LA
WASHINGTON EDUCATIONAL ASSOC has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 1.14% 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
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.61% above tier (higher cost structure)
- - Delinquency rate 0.12% above tier average
- - Total Assets: Bottom 6.0% in tier
- - Average Member Relationship (AMR): Bottom 6.4% in tier
- - Total Deposits: Bottom 6.9% in tier
- - Total Loans: Bottom 8.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
- - Net Charge-Off Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
368
-1.1% YoY0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 10.1% in tier |
| Assets |
$1.0M
-1.7% YoY-0.0% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.9% in tier |
| Loans |
$535,635
-8.1% YoY-4.8% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.9% in tier |
| Deposits |
$930,039
-2.0% YoY+0.3% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.9% in tier |
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| ROA |
1.1%
+63.1% YoY-315.5% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
5.1%
-8.4% YoY+3.8% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 13.0% in tier |
| Efficiency Ratio |
82.0%
+14.4% YoY+12.6% QoQ
|
+0.6% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.6%
+79.2% YoY+20.3% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
57.6%
-6.2% YoY-5.1% QoQ
|
-3.6% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$3,983
-3.3% YoY-1.6% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)