BlastPoint's Credit Union Scorecard
EDUCATIONAL AND GOVERNMENTAL
Charter #2346 · NY
EDUCATIONAL AND GOVERNMENTAL has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 12.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.9% in tier
- + Total Members: Top 7.6% in tier
- + Loan Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 11.92% above tier (higher cost structure)
- - Delinquency rate 1.38% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,409
+12.6% YoY+1.1% QoQ
|
+3.8K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 7.7% in tier |
| Assets |
$55.9M
+8.1% YoY-4.9% QoQ
|
+$26.1M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
81% |
| Loans |
$16.2M
+11.9% YoY-3.3% QoQ
|
+$389K |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$49.2M
+6.5% YoY-4.3% QoQ
|
+$23.8M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
0.1%
-118.7% YoY+515.0% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
3.7%
+21.7% YoY+2.2% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
93.3%
-18.8% YoY-2.6% QoQ
|
+11.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
2.9%
+528.3% YoY+179.9% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 12.5% in tier |
| Loan To Share |
32.8%
+5.1% YoY+1.0% QoQ
|
-28.4% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.3% in tier |
| AMR |
$10,204
-4.3% YoY-5.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
4.3%
+10.3% YoY+35.7% QoQ
|
-20.1% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% 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)