BlastPoint's Credit Union Scorecard
EDUCATIONAL EMPLOYEES
Charter #60520 · CA
EDUCATIONAL EMPLOYEES has 7 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 4.5% in tier
- + Organic Growth Engine: Top 35.9% in tier
- + Organic Growth Leader: Top 35.9% in tier
- + ROA 0.91% above tier average
- + Total Delinquency Rate (60+ days): Top 2.6% in tier
- + Net Worth Ratio: Top 5.1% in tier
- + Members Per Employee (MPE): Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Total Loans: Bottom 5.1% in tier
- - Loan-to-Share Ratio: Bottom 5.1% in tier
- - Average Member Relationship (AMR): Bottom 5.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.1% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 6 that size in California.
- Shares and deposits +5.6% year over year ($4.59B in shares and deposits).
- Membership: 400,296 members, +3.4% vs a year ago.
- Delinquency rate 0.20%.
- Return on assets 1.84%.
- Efficiency ratio 54.12% vs a 65.18% peer average.
- Loan-to-share ratio 50.16% vs a 85.64% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
400,296
+3.4% YoY-0.1% QoQ
|
+89.4K |
310,918
+6.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 12.8% in tier |
| Assets |
$5.4B
+7.5% YoY-0.2% QoQ
|
$-424.6M |
$5.8B
-1.1% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$2.3B
+3.3% YoY+1.4% QoQ
|
$-1.9B |
$4.2B
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.6% in tier |
| Deposits |
$4.6B
+5.6% YoY-0.6% QoQ
|
$-305.2M |
$4.9B
-1.3% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
33% |
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| ROA |
1.8%
+2.7% YoY+4.3% QoQ
|
+0.9% |
0.9%
+35.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 2.6% in tier |
| NIM |
3.2%
+9.2% YoY+4.5% QoQ
|
+0.0% |
3.2%
+9.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
54.1%
-0.7% YoY-0.2% QoQ
|
-11.1% |
65.2%
-9.0% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 12.8% in tier |
| Delinquency Rate |
0.2%
-20.0% YoY+3.1% QoQ
|
-0.6 |
0.8%
+23.8% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 2.6% in tier |
| Loan To Share |
50.2%
-2.2% YoY+2.0% QoQ
|
-35.5% |
85.6%
-0.2% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.6% in tier |
| AMR |
$17,217
+1.4% YoY+0.2% QoQ
|
$-15K |
$32,010
-7.3% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.6% in tier |
| CD Concentration |
26.0%
+1.0% YoY-0.7% QoQ
|
-2.3% | 28.3% | 22.2% | 20.0% | 38% |
| Indirect Auto % | 0.0% | -16.8% | 16.8% | 9.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)