BlastPoint's Credit Union Scorecard
EDUCATION PERSONNEL
Charter #1969 · IL
EDUCATION PERSONNEL has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Efficiency ratio 3.75% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,234
+0.3% YoY+0.0% QoQ
|
+1.6K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$71.6M
+5.5% YoY-1.3% QoQ
|
+$41.7M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Top 11.7% in tier |
| Loans |
$30.5M
-9.2% YoY-3.0% QoQ
|
+$14.7M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
82% |
| Deposits |
$62.9M
+4.7% YoY-2.1% QoQ
|
+$37.4M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Top 10.4% in tier |
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| ROA |
0.5%
+83.6% YoY+25.3% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
37% |
| NIM |
3.0%
+16.4% YoY+4.1% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
85.1%
-4.7% YoY-2.8% QoQ
|
+3.8% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
1.4%
+43.2% YoY+336.9% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
48.6%
-13.4% YoY-1.0% QoQ
|
-12.7% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$22,052
-0.5% YoY-2.4% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 13.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
2.8%
-49.7% YoY-15.7% QoQ
|
-11.2% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)