BlastPoint's Credit Union Scorecard

EDUCATIONAL EMPLOYEES

Charter #60520 · CA

Large 5B-7B
35 CUs in 5B-7B nationally 5 in CA
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EDUCATIONAL EMPLOYEES has 9 strengths but faces 4 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 1.9% in tier
  • + Emerging Performer: Top 21.0% in tier
  • + Organic Growth Leader: Top 35.7% in tier
  • + ROA 0.87% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 2.9% in tier
  • + Members Per Employee (MPE): Top 2.9% in tier
  • + Net Worth Ratio: Top 5.7% in tier
  • + Total Members: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Average Member Relationship (AMR): Bottom 2.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.9% in tier
  • - Total Loans: Bottom 5.7% in tier
  • - Loan-to-Share Ratio: Bottom 5.7% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 396,527
+3.7% YoY+1.0% QoQ
 +104.2K 292,342
-2.4% YoY
 60,320
+5.7% YoY
 33,374
+5.7% YoY
 Top 11.4% in tier
Assets $5.3B
+11.5% YoY+2.9% QoQ
 $-490.2M $5.7B
-0.2% YoY
 $1.3B
+6.2% YoY
 $561.6M
+9.7% YoY
 26%
Loans $2.3B
+3.0% YoY+0.6% QoQ
 $-1.9B $4.2B
-1.6% YoY
 $856.7M
+6.3% YoY
 $397.0M
+8.8% YoY
 Bottom 2.9% in tier
Deposits $4.5B
+9.1% YoY+2.3% QoQ
 $-339.5M $4.8B
+0.4% YoY
 $1.1B
+7.1% YoY
 $477.3M
+9.7% YoY
 29%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.7%
+26.0% YoY-3.1% QoQ
 +0.9% 0.8%
+27.9% YoY
 0.5%
+14.3% YoY
 0.7%
+15.9% YoY
 Top 5.7% in tier
NIM 2.9%
+10.0% YoY+0.3% QoQ
 -0.1% 3.0%
+8.0% YoY
 3.3%
+7.0% YoY
 3.8%
+5.1% YoY
 31%
Efficiency Ratio 55.3%
-9.3% YoY+1.6% QoQ
 -12.0% 67.3%
-3.7% YoY
 80.7%
-1.8% YoY
 79.7%
-3.3% YoY
 Bottom 14.3% in tier
Delinquency Rate 0.2%
-1.4% YoY+3.4% QoQ
 -0.6 0.8%
+17.5% YoY
 0.7%
-40.0% YoY
 1.3%
-2.1% YoY
 Bottom 2.9% in tier
Loan To Share 50.6%
-5.6% YoY-1.7% QoQ
 -35.3% 85.9%
-2.6% YoY
 68.6%
-1.3% YoY
 67.4%
-1.7% YoY
 Bottom 2.9% in tier
AMR $17,121
+3.2% YoY+0.7% QoQ
 $-17K $34,289
+3.5% YoY
 $28,728
+2.4% YoY
 $19,687
+2.0% YoY
 Bottom 0.0% in tier
CD Concentration 26.0%
+15.8% YoY-1.5% QoQ
 -3.1% 29.1% 21.7% 19.8% 33%
Indirect Auto % 0.0% -17.1% 17.1% 9.2% 7.8% Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#2 of 54 • Top 1.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.72%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Return on Assets: 1.68%
(Tier: 0.90%, National: 0.67%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 17.09%, National: 7.78%)
better than tier avg
54 of 68 Large CUs have this signature | 913 nationally
→ No prior data (54 CUs now) | New qualifier

Emerging Performer

growth
#5 of 20 • Top 21.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 1.68%
(Tier: 0.90%, National: 0.67%)
better than tier avg
Member Growth (YoY): 3.72%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
20 of 68 Large CUs have this signature | 282 nationally
→ No prior data (20 CUs now) | New qualifier

Organic Growth Leader

growth
#11 of 29 • Top 35.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.72%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 17.09%, National: 7.78%)
better than tier avg
29 of 68 Large CUs have this signature | 609 nationally
→ No prior data (29 CUs now) | New qualifier

Concerns (0)

No concerns identified

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)

Comparing against 35 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
2
Return on Assets (ROA)
profitability
Value: 1.68%
Peer Median: -
#2 of 35 Top 2.9% in 5B-7B tier
2
Total Delinquency Rate (60+ days)
risk
Value: 0.23%
Peer Median: -
#2 of 35 Top 2.9% in 5B-7B tier
2
Members Per Employee (MPE)
engagement
Value: 664.199
Peer Median: -
#2 of 35 Top 2.9% in 5B-7B tier
3
Net Worth Ratio
risk
Value: 13.95%
Peer Median: -
#3 of 35 Top 5.7% in 5B-7B tier
4
Total Members
engagement
Value: 396,527
Peer Median: -
#4 of 35 Top 8.6% in 5B-7B tier
6
Efficiency Ratio
profitability
Value: 55.27%
Peer Median: -
#6 of 35 Top 14.3% in 5B-7B tier
6
Asset Growth Rate
growth
Value: 11.55%
Peer Median: -
#6 of 35 Top 14.3% in 5B-7B tier
8
Share Certificate Concentration (%)
balance_sheet
Value: 26.00%
Peer Median: -
#8 of 35 Top 20.0% in 5B-7B tier

Top Weaknesses (4 metrics)

35
Average Member Relationship (AMR)
engagement
Value: $17,121
Peer Median: -
#35 of 35 Bottom 2.9% in 5B-7B tier
35
Loan-to-Member Ratio (LMR)
engagement
Value: $5,753
Peer Median: -
#35 of 35 Bottom 2.9% in 5B-7B tier
34
Total Loans
balance_sheet
Value: $2.28B
Peer Median: -
#34 of 35 Bottom 5.7% in 5B-7B tier
34
Loan-to-Share Ratio
balance_sheet
Value: 50.60%
Peer Median: -
#34 of 35 Bottom 5.7% in 5B-7B tier
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