BlastPoint's Credit Union Scorecard
EDUCATIONAL
Charter #176 · FL
EDUCATIONAL has 7 strengths but faces 5 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.0% in tier
- + Organic Growth Leader: Top 4.6% in tier
- + Emerging Performer: Top 28.2% in tier
- + Strong member growth: 8.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.6% in tier
- + Member Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5.8% in tier
- - Credit Quality Pressure: Bottom 15.0% in tier
- - Shrinking Wallet Share: Bottom 20.8% in tier
- - ROA 0.01% below tier average
- - Efficiency ratio 0.55% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
116,191
+8.6% YoY+1.1% QoQ
|
+17.5K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$1.7B
+3.9% YoY-0.9% QoQ
|
+$8.8M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$1.0B
+11.6% YoY+4.1% QoQ
|
$-198.9M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$1.5B
+3.3% YoY-1.5% QoQ
|
$-1.6M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
59% |
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| ROA |
0.7%
+39.5% YoY-13.7% QoQ
|
-0.0% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
3.2%
+15.8% YoY+2.4% QoQ
|
-0.0% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
74.5%
-8.6% YoY+0.2% QoQ
|
+0.5% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.6%
+24.3% YoY+4.0% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
71.2%
+8.0% YoY+5.7% QoQ
|
-14.0% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$21,404
-1.9% YoY-0.4% QoQ
|
$-8K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.5% in tier |
| CD Concentration |
21.9%
+9.3% YoY+5.9% QoQ
|
-7.0% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
20% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)