BlastPoint's Credit Union Scorecard
EDUCATION FIRST
Charter #24470 · TX
EDUCATION FIRST has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Fee Income Per Member: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 93.5% in tier
- - Shrinking Wallet Share: Bottom 93.7% in tier
- - Deposit Outflow: Bottom 97.1% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 0.18% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 3.6% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
- - AMR Growth Rate: Bottom 7.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits -4.9% year over year ($533M in shares and deposits).
- Membership: 32,567 members, +1.0% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 0.72%.
- Efficiency ratio 76.74% vs a 76.56% peer average.
- Loan-to-share ratio 68.93% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,567
+1.0% YoY-0.1% QoQ
|
-5.3K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
30% |
| Assets |
$583.1M
-2.5% YoY-1.2% QoQ
|
$-39.2M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$367.1M
+1.1% YoY+3.3% QoQ
|
$-61.4M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$532.6M
-4.9% YoY-2.0% QoQ
|
$-7.2M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
0.7%
-211.9% YoY+5.2% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
3.7%
+12.1% YoY+2.1% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
76.7%
-10.3% YoY-2.5% QoQ
|
+0.2% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.6%
-6.5% YoY+14.2% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
68.9%
+6.3% YoY+5.4% QoQ
|
-10.4% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$27,626
-3.5% YoY+0.2% QoQ
|
+$331 |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
63% |
| CD Concentration |
26.6%
-19.1% YoY-0.5% QoQ
|
+2.0% | 24.6% | 21.6% | 20.0% | 59% |
| Indirect Auto % |
20.3%
-2.1% YoY-0.7% QoQ
|
+6.6% | 13.6% | 6.9% | 7.7% | 72% |
Signature Analysis
Strengths (0)
Concerns (3)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)