BlastPoint's Credit Union Scorecard
EDUCATIONAL EMPLOYEES
Charter #60520 · CA
EDUCATIONAL EMPLOYEES has 8 strengths but faces 6 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 6.1% in tier
- + Organic Growth Engine: Top 39.1% in tier
- + Organic Growth Leader: Top 39.1% in tier
- + ROA 0.91% above tier average
- + Total Delinquency Rate (60+ days): Top 5.4% in tier
- + Net Worth Ratio: Top 5.4% in tier
- + Members Per Employee (MPE): Top 5.4% in tier
- + Total Members: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 64.1% in tier
- - Credit Risk Growth: Bottom 71.9% in tier
- - Total Loans: Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 5.4% in tier
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
400,720
+3.5% YoY+1.1% QoQ
|
+92.9K |
307,793
+7.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Top 10.8% in tier |
| Assets |
$5.4B
+9.0% YoY+2.3% QoQ
|
$-393.4M |
$5.8B
-0.2% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$2.3B
+2.4% YoY-0.5% QoQ
|
$-1.9B |
$4.2B
+0.4% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.7% in tier |
| Deposits |
$4.6B
+7.1% YoY+2.4% QoQ
|
$-279.2M |
$4.9B
+0.2% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
1.8%
-1.5% YoY+4.9% QoQ
|
+0.9% |
0.9%
+47.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Top 5.4% in tier |
| NIM |
3.0%
+7.7% YoY+4.2% QoQ
|
-0.1% |
3.2%
+9.8% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
54.3%
-2.1% YoY-1.8% QoQ
|
-12.3% |
66.6%
-11.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 10.8% in tier |
| Delinquency Rate |
0.2%
+1.4% YoY-13.1% QoQ
|
-0.5 |
0.7%
+23.3% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 5.4% in tier |
| Loan To Share |
49.2%
-4.4% YoY-2.8% QoQ
|
-35.6% |
84.7%
-0.7% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.7% in tier |
| AMR |
$17,184
+1.9% YoY+0.4% QoQ
|
$-15K |
$32,237
-7.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.7% in tier |
| CD Concentration |
26.2%
+11.2% YoY+0.8% QoQ
|
-2.4% | 28.6% | 21.6% | 19.8% | 39% |
| Indirect Auto % | 0.0% | -16.4% | 16.4% | 9.0% | 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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)