BlastPoint's Credit Union Scorecard
EDUCATIONAL
Charter #176 · FL
EDUCATIONAL has 7 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 13.4% in tier
- + Organic Growth Leader: Top 13.4% in tier
- + ROA 0.18% above tier average
- + Net Interest Margin 0.10% above tier average
- + Strong member growth: 6.5% YoY
- + Loan Growth Rate: Top 9.3% in tier
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10.2% in tier
- - Credit Quality Pressure: Bottom 56.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits +5.3% year over year ($1.55B in shares and deposits).
- Membership: 122,426 members, +6.5% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 1.00%.
- Efficiency ratio 71.03% vs a 73.02% peer average.
- Loan-to-share ratio 73.01% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
122,426
+6.5% YoY+2.4% QoQ
|
+25.6K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$1.8B
+5.7% YoY+2.6% QoQ
|
+$119.7M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$1.1B
+14.2% YoY+0.6% QoQ
|
$-100.1M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$1.6B
+5.3% YoY+2.6% QoQ
|
+$90.0M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
62% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+23.9% YoY+14.0% QoQ
|
+0.2% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
3.5%
+11.1% YoY+3.0% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
71.0%
-4.5% YoY+0.4% QoQ
|
-2.0% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
0.6%
+1.6% YoY+37.5% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
73.0%
+8.4% YoY-2.0% QoQ
|
-11.7% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$21,951
+2.2% YoY-0.6% QoQ
|
$-8K |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.3% in tier |
| CD Concentration |
22.5%
+8.7% YoY+2.4% QoQ
|
-6.6% | 29.1% | 24.7% | 20.0% | 24% |
| Indirect Auto % |
0.3%
+209.2% QoQ
|
-17.8% | 18.1% | 10.8% | 7.7% | Top 13.9% in tier |
Signature Analysis
Strengths (2)
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 (<15%). Healthy, sustainable growth model.
Concerns (2)
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.
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)