EDUCATIONAL

Charter #176 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

EDUCATIONAL has 7 strengths but faces 6 concerns

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 5.3% 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

  • - Liquidity Overhang: Bottom 2.2% in tier
  • - Growth-at-Risk: 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
 70th in tier
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
 59th in tier
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
 42nd in tier
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
 59th in tier
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
 53rd in tier
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
 47th in tier
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
 50th in tier
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
 44th in tier
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
 Bottom 15.8% in tier
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
 -7.1% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 Bottom 19.3% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#23 of 246 • Top 3.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.59%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.70%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#19 of 138 • Top 4.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.59%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Emerging Performer

growth
#29 of 184 • Top 5.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.70%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 8.59%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Concerns (4)

Liquidity Overhang

risk
#8 of 113 • Bottom 2.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.80%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 71.19%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

Growth-at-Risk

risk
#33 of 161 • Bottom 5.8% in tier

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

Why This Signature
Loan Growth (YoY): 11.56%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.12% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#116 of 217 • Bottom 15.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.12% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#64 of 83 • Bottom 20.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.88%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
18
Net Worth Ratio
risk
Value: 15.80%
Peer Avg: 11.44%
#18 of 304 Top 5.6% in 1B-3B tier
22
Member Growth Rate
growth
Value: 8.59%
Peer Avg: 2.20%
#22 of 304 Top 6.9% in 1B-3B tier
44
Loan Growth Rate
growth
Value: 11.56%
Peer Avg: 5.27%
#44 of 304 Top 14.1% in 1B-3B tier
63
Share Certificate Concentration (%)
balance_sheet
Value: 21.92%
Peer Avg: 28.53%
#63 of 304 Top 20.4% in 1B-3B tier

Top Weaknesses (6 metrics)

274
Loan-to-Member Ratio (LMR)
engagement
Value: $8,901
Peer Avg: $13,213
#274 of 304 Bottom 10.2% in 1B-3B tier
269
Average Member Relationship (AMR)
engagement
Value: $21,404
Peer Avg: $29,172
#269 of 304 Bottom 11.8% in 1B-3B tier
256
Loan-to-Share Ratio
balance_sheet
Value: 71.19%
Peer Avg: 85.19%
#256 of 304 Bottom 16.1% in 1B-3B tier
253
AMR Growth Rate
growth
Value: -1.88%
Peer Avg: 3.29%
#253 of 304 Bottom 17.1% in 1B-3B tier
241
First Mortgage Concentration (%)
balance_sheet
Value: 44.82%
Peer Avg: 34.01%
#241 of 304 Bottom 21.1% in 1B-3B tier
233
Fee Income Per Member
profitability
Value: $160.93
Peer Avg: $210.52
#233 of 304 Bottom 23.7% in 1B-3B tier