BlastPoint's Credit Union Scorecard
EDUCATION FIRST
Charter #24470 · TX
EDUCATION FIRST has 1 strength but faces 11 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.0% in tier
- - Institutional Decline: Bottom 18.3% in tier
- - Membership Headwinds: Bottom 29.8% in tier
- - Indirect Auto Dependency: Bottom 31.4% in tier
- - Stagnation Risk: Bottom 32.2% in tier
- - ROA 0.98% below tier average
- - Efficiency ratio 5.18% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 4.1% in tier
- - Asset Growth Rate: Bottom 7.1% in tier
- - Net Worth Ratio: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,346
-0.9% YoY+0.3% QoQ
|
-7.4K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$590.5M
-5.2% YoY-1.3% QoQ
|
$-31.9M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$366.0M
-5.2% YoY+0.9% QoQ
|
$-69.9M |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$550.6M
+1.7% YoY-1.7% QoQ
|
+$12.5M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
57% |
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| ROA |
-0.3%
+12.9% YoY-49.4% QoQ
|
-1.0% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.4% in tier |
| NIM |
3.3%
+16.2% YoY+2.1% QoQ
|
-0.1% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
83.3%
-6.5% YoY-2.7% QoQ
|
+5.2% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.6%
-71.1% YoY-14.4% QoQ
|
-0.2 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
66.5%
-6.8% YoY+2.6% QoQ
|
-14.5% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.8% in tier |
| AMR |
$28,337
-0.3% YoY-1.0% QoQ
|
+$2K |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
32.9%
-5.6% YoY+0.1% QoQ
|
+8.5% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
79% |
| Indirect Auto % |
19.9%
-6.8% YoY-4.0% QoQ
|
+5.9% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
71% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)