BlastPoint's Credit Union Scorecard

EDUCATIONAL

Charter #176 · FL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 17 in FL

View Mid-Market leaderboard →

EDUCATIONAL has 7 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 10.3% in tier
+ Organic Growth Leader: Top 10.3% in tier
+ ROA 0.16% above tier average
+ Net Interest Margin 0.06% above tier average
+ Strong member growth: 8.2% YoY
+ Loan Growth Rate: Top 4.6% in tier
+ Net Worth Ratio: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 5.5% in tier
- Credit Quality Pressure: Bottom 48.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	119,576 +8.2% YoY+2.1% QoQ	+23.5K	96,048 -2.7% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	74%
Assets	$1.8B +4.5% YoY+2.3% QoQ	+$76.5M	$1.7B +0.4% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	63%
Loans	$1.1B +17.2% YoY+3.4% QoQ	$-86.5M	$1.2B +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	53%
Deposits	$1.5B +4.0% YoY+2.6% QoQ	+$47.8M	$1.5B +0.5% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	61%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +17.2% YoY+28.8% QoQ	+0.2%	0.7% +27.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	68%
NIM	3.4% +10.8% YoY+3.7% QoQ	+0.1%	3.4% +6.2% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	52%
Efficiency Ratio	70.8% -4.5% YoY-4.9% QoQ	-3.9%	74.6% -3.0% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.4% +9.6% YoY-40.4% QoQ	-0.3	0.8% +6.9% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	30%
Loan To Share	74.5% +12.6% YoY+0.8% QoQ	-8.7%	83.2% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	22%
AMR	$22,083 +1.0% YoY+0.8% QoQ	$-8K	$29,652 +2.3% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Bottom 14.1% in tier
CD Concentration	22.0% +10.1% YoY+0.5% QoQ	-6.9%	28.8%	24.4%	19.8%	21%
Indirect Auto %	0.1%	-18.0%	18.1%	10.8%	7.7%	Top 13.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#9 of 115 • Top 10.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.24%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.88%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.08%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#21 of 116 • Top 10.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 8.24%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.08%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#70 of 183 • Bottom 5.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 17.20%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#186 of 225 • Bottom 48.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (5 metrics)

Loan Growth Rate

growth

Value: 17.20%

Peer Median: 5.67%

#15 of 306 Top 4.6% in 1B-3B tier

Net Worth Ratio

risk

Value: 15.57%

Peer Median: 10.85%

#24 of 306 Top 7.5% in 1B-3B tier

Member Growth Rate

growth

Value: 8.24%

Peer Median: 2.03%

#32 of 306 Top 10.1% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.08%

Peer Median: 13.86%

#45 of 306 Top 14.4% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.98%

Peer Median: 27.93%

#67 of 306 Top 21.6% in 1B-3B tier

Top Weaknesses (3 metrics)

266

Loan-to-Member Ratio (LMR)

engagement

Value: $9,427

Peer Median: $12,733

#266 of 306 Bottom 13.4% in 1B-3B tier

263

Average Member Relationship (AMR)

engagement

Value: $22,083

Peer Median: $28,178

#263 of 306 Bottom 14.4% in 1B-3B tier

238

Loan-to-Share Ratio

balance_sheet

Value: 74.48%

Peer Median: 85.31%

#238 of 306 Bottom 22.5% in 1B-3B tier