BlastPoint's Credit Union Scorecard
FIRST EDUCATION
Charter #5465 · WY
FIRST EDUCATION demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.91% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 4.5% in tier
- + Loan Growth Rate: Top 4.6% in tier
- + Total Assets: Top 5.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,579
+0.2% YoY-0.1% QoQ
|
+3.0K |
2,615
-1.9% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
Top 10.9% in tier |
| Assets |
$85.3M
+4.8% YoY+0.8% QoQ
|
+$55.1M |
$30.1M
+2.1% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
Top 5.7% in tier |
| Loans |
$35.1M
+17.5% YoY+1.2% QoQ
|
+$19.4M |
$15.8M
-1.3% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Top 13.9% in tier |
| Deposits |
$76.1M
+3.3% YoY+0.5% QoQ
|
+$50.4M |
$25.7M
+1.4% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
Top 4.6% in tier |
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| ROA |
1.5%
+103.1% YoY-2.4% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
3.9%
+31.4% YoY+1.5% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
67.1%
-14.3% YoY+1.1% QoQ
|
-15.4% |
82.6%
-2.3% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.9%
+216.7% YoY+967.5% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
46.1%
+13.7% YoY+0.7% QoQ
|
-14.5% |
60.6%
-3.1% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$19,942
+7.2% YoY+0.8% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
7.5%
+10.0% YoY+3.8% QoQ
|
-17.0% | 24.4% | 26.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 19.3% | 7.8% | 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)