BlastPoint's Credit Union Scorecard
EDUCATION FIRST
Charter #24470 · TX
EDUCATION FIRST has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Fee Income Per Member: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 91.6% in tier
- - Shrinking Wallet Share: Bottom 94.0% in tier
- - Deposit Outflow: Bottom 95.0% in tier
- - Efficiency ratio 0.30% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 4.8% in tier
- - AMR Growth Rate: Bottom 4.8% in tier
- - Net Charge-Off Rate: Bottom 4.8% in tier
- - Members Per Employee (MPE): Bottom 7.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,587
+0.2% YoY+0.3% QoQ
|
-5.5K |
38,079
-4.8% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$589.9M
-2.0% YoY-0.1% QoQ
|
$-29.8M |
$619.7M
-0.2% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$355.2M
-3.7% YoY-2.1% QoQ
|
$-64.1M |
$419.3M
-1.4% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$543.4M
-3.8% YoY-0.0% QoQ
|
+$3.9M |
$539.5M
-0.1% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
0.7%
-225.8% YoY+301.3% QoQ
|
+0.0% |
0.7%
+36.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
56% |
| NIM |
3.6%
+14.6% YoY+5.4% QoQ
|
+0.1% |
3.5%
+4.5% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
78.7%
-16.7% YoY-5.8% QoQ
|
+0.3% |
78.4%
-3.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.5%
-50.7% YoY-27.0% QoQ
|
-0.2 |
0.7%
-0.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
65.4%
+0.0% YoY-2.0% QoQ
|
-12.3% |
77.7%
-1.2% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$27,575
-3.9% YoY-1.2% QoQ
|
+$648 |
$26,927
+3.1% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
26.7%
-17.7% YoY-12.9% QoQ
|
+2.4% | 24.3% | 21.3% | 19.8% | 60% |
| Indirect Auto % |
20.4%
-2.5% YoY+2.0% QoQ
|
+6.6% | 13.8% | 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)