BlastPoint's Credit Union Scorecard
EDUCATION FIRST
Charter #24470 · TX
EDUCATION FIRST has 1 strength but faces 6 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 59.0% in tier
- - Shrinking Wallet Share: Bottom 86.0% in tier
- - Indirect Auto Dependency: Bottom 96.6% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 6.03% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,486
-0.1% YoY+0.4% QoQ
|
-6.1K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$590.5M
-2.5% YoY-0.0% QoQ
|
$-31.3M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$362.8M
-4.2% YoY-0.9% QoQ
|
$-67.0M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$543.6M
+0.9% YoY-1.3% QoQ
|
+$4.9M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.2%
-125.7% YoY-152.4% QoQ
|
-0.5% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.7% in tier |
| NIM |
3.4%
+15.1% YoY+2.0% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
83.5%
-6.0% YoY+0.3% QoQ
|
+6.0% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.7%
-65.6% YoY+31.0% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
66.7%
-5.1% YoY+0.4% QoQ
|
-13.1% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$27,902
-1.1% YoY-1.5% QoQ
|
+$1K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
30.7%
-9.3% YoY-6.8% QoQ
|
+6.3% | 24.4% | 21.2% | 19.8% | 73% |
| Indirect Auto % |
20.0%
-4.2% YoY+0.7% QoQ
|
+6.2% | 13.8% | 7.1% | 7.8% | 72% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)