EDUCATIONAL EMPLOYEES

Charter #60520 | CA

5B-7B (34 CUs) Large (64 CUs)
7 5B-7B in CA

EDUCATIONAL EMPLOYEES has 11 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 1.3% in tier
  • + Emerging Performer: Top 4.6% in tier
  • + Organic Growth Leader: Top 12.0% in tier
  • + Wallet Share Momentum: Top 27.3% in tier
  • + Relationship Depth Leader: Top 29.9% in tier
  • + ROA 0.94% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Members Per Employee (MPE): Top 2.9% in tier
  • + Total Members: Top 5.9% in tier
  • + Total Delinquency Rate (60+ days): Top 8.8% in tier
  • + Net Worth Ratio: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 7.3% in tier
  • - Credit Quality Pressure: Bottom 23.8% in tier
  • - Growth-at-Risk: Bottom 24.7% in tier
  • - Average Member Relationship (AMR): Bottom 2.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.9% in tier
  • - Total Loans: Bottom 5.9% in tier
  • - Loan-to-Share Ratio: Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 392,631
+3.9% YoY+1.4% QoQ
 +102.9K 289,724
-2.8% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 8.8% in tier
Assets $5.1B
+8.8% YoY+2.3% QoQ
 $-688.8M $5.8B
+0.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 14.7% in tier
Loans $2.3B
+4.7% YoY+1.8% QoQ
 $-1.8B $4.1B
-3.1% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 2.9% in tier
Deposits $4.4B
+7.1% YoY+1.4% QoQ
 $-483.4M $4.9B
+2.2% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 17.6% in tier
ROA 1.7%
+31.7% YoY-3.1% QoQ
 +0.9% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Top 2.9% in tier
NIM 2.9%
+12.6% YoY+0.1% QoQ
 -0.0% 2.9%
+3.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 44th in tier
Efficiency Ratio 54.4%
-11.3% YoY-0.2% QoQ
 -13.7% 68.1%
-1.7% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 11.8% in tier
Delinquency Rate 0.2%
+5.6% YoY-13.7% QoQ
 -0.4 0.6%
-2.2% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 8.8% in tier
Loan To Share 51.5%
-2.3% YoY+0.4% QoQ
 -32.2% 83.6%
-5.7% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 5.9% in tier
AMR $16,995
+2.3% YoY+0.1% QoQ
 $-17K $34,398
+4.0% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 0.0% in tier
CD Concentration 26.4%
+18.1% YoY+2.4% QoQ
 -2.5% 28.9%
-1.3% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 38th in tier
Indirect Auto % 0.0% -16.6% 16.6%
-10.3% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (5)

Organic Growth Engine

growth
#3 of 50 • Top 1.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.91%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 1.74%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Emerging Performer

growth
#5 of 31 • Top 4.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.74%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Member Growth (YoY): 3.91%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | New qualifier

Organic Growth Leader

growth
#11 of 28 • Top 12.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.91%
(Tier: 3.07%, National: 9.37%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank improving

Wallet Share Momentum

growth
#33 of 46 • Top 27.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.29%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Relationship Depth Leader

growth
#36 of 46 • Top 29.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.29%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.6K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (3)

Liquidity Overhang

risk
#5 of 24 • Bottom 7.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.00%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 51.49%
(Tier: 84.48%, National: 67.96%)
worse than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY | Rank improving

Credit Quality Pressure

risk
#30 of 34 • Bottom 23.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Growth-at-Risk

risk
#25 of 25 • Bottom 24.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.69%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | Rank improving

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 34 peers in tier

Top Strengths (8 metrics)

1
Return on Assets (ROA)
profitability
Value: 1.74%
Peer Avg: 0.80%
#1 of 34 Top 0.0% in 5B-7B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.61%
#1 of 34 Top 0.0% in 5B-7B tier
2
Members Per Employee (MPE)
engagement
Value: 662.110
Peer Avg: 430.688
#2 of 34 Top 2.9% in 5B-7B tier
3
Total Members
engagement
Value: 392,631
Peer Avg: 289,725
#3 of 34 Top 5.9% in 5B-7B tier
4
Total Delinquency Rate (60+ days)
risk
Value: 0.22%
Peer Avg: 0.62%
#4 of 34 Top 8.8% in 5B-7B tier
4
Net Worth Ratio
risk
Value: 14.00%
Peer Avg: 10.96%
#4 of 34 Top 8.8% in 5B-7B tier
5
Efficiency Ratio
profitability
Value: 54.43%
Peer Avg: 68.13%
#5 of 34 Top 11.8% in 5B-7B tier
8
First Mortgage Concentration (%)
balance_sheet
Value: 26.02%
Peer Avg: 37.88%
#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (6 metrics)

34
Average Member Relationship (AMR)
engagement
Value: $16,995
Peer Avg: $34,398
#34 of 34 Bottom 2.9% in 5B-7B tier
34
Loan-to-Member Ratio (LMR)
engagement
Value: $5,776
Peer Avg: $15,308
#34 of 34 Bottom 2.9% in 5B-7B tier
33
Total Loans
balance_sheet
Value: $2.27B
Peer Avg: $4.08B
#33 of 34 Bottom 5.9% in 5B-7B tier
32
Loan-to-Share Ratio
balance_sheet
Value: 51.49%
Peer Avg: 83.64%
#32 of 34 Bottom 8.8% in 5B-7B tier
29
Total Assets
balance_sheet
Value: $5.11B
Peer Avg: $5.79B
#29 of 34 Bottom 17.6% in 5B-7B tier
28
Total Deposits
balance_sheet
Value: $4.40B
Peer Avg: $4.89B
#28 of 34 Bottom 20.6% in 5B-7B tier