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 0.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 4.4% in tier
- + Total Deposits: Top 4.5% 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-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,583
-0.1% YoY+0.3% QoQ
|
+3.0K |
2,625
-2.2% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
Top 11.2% in tier |
| Assets |
$84.6M
+2.9% YoY+0.4% QoQ
|
+$54.8M |
$29.9M
+1.1% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
Top 5.8% in tier |
| Loans |
$34.7M
+17.4% YoY+11.7% QoQ
|
+$19.0M |
$15.8M
-2.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 14.3% in tier |
| Deposits |
$75.8M
+1.2% YoY+0.1% QoQ
|
+$50.3M |
$25.5M
+0.4% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 4.5% in tier |
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| ROA |
1.6%
+151.0% YoY+1.6% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
3.8%
+41.9% YoY+1.1% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
66.4%
-18.0% YoY+0.0% QoQ
|
-15.0% |
81.4%
-2.4% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.1%
-77.1% YoY-73.3% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
45.8%
+16.0% YoY+11.5% QoQ
|
-15.4% |
61.2%
-3.0% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$19,787
+5.9% YoY+3.2% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
7.2%
-2.8% YoY+1.3% QoQ
|
-17.2% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
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)