BlastPoint's Credit Union Scorecard
EDUCATIONAL
Charter #176 · FL
EDUCATIONAL has 9 strengths but faces 4 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 8.9% in tier
- + Organic Growth Leader: Top 14.9% in tier
- + Emerging Performer: Top 30.3% in tier
- + Net Interest Margin 0.02% above tier average
- + 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 7.0% in tier
- + Loan Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.0% in tier
- - Credit Quality Pressure: Bottom 45.2% in tier
- - ROA 0.00% below tier average
- - Efficiency ratio 0.39% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
117,120
+8.6% YoY+0.8% QoQ
|
+19.7K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$1.8B
+4.8% YoY+1.6% QoQ
|
+$33.4M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$1.1B
+15.2% YoY+5.4% QoQ
|
$-144.4M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$1.5B
+3.8% YoY+1.6% QoQ
|
+$16.3M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.7%
+33.0% YoY-2.2% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
3.3%
+16.1% YoY+1.6% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
74.4%
-7.3% YoY-0.1% QoQ
|
+0.4% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.7%
+26.7% YoY+19.0% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
73.9%
+10.9% YoY+3.8% QoQ
|
-10.9% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$21,907
-0.3% YoY+2.3% QoQ
|
$-8K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.6% in tier |
| CD Concentration |
21.9%
+7.4% YoY-0.2% QoQ
|
-7.2% | 29.0% | 24.1% | 19.8% | 20% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 10.8% | 7.8% | 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 (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)