BlastPoint's Credit Union Scorecard

EDUCATIONAL EMPLOYEES

Charter #60520 · CA

Large 5B-7B

34 CUs in 5B-7B nationally 7 in CA

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EDUCATIONAL EMPLOYEES has 11 strengths but faces 6 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 1.3% in tier
+ Organic Growth Leader: Top 12.0% in tier
+ Profitability Leader: Top 20.0% in tier
+ Emerging Performer: Top 20.0% in tier
+ Credit Quality Leader: Top 40.0% 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

- Credit Quality Pressure: Bottom 23.8% in tier
- Credit Risk Growth: 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	18%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	44%
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	38%
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

Organic Growth Leader

growth

#11 of 28 • Top 12.0% in tier

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

Why This Signature

Member Growth (YoY): 3.91%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 16.60%, National: 7.90%)

better than tier avg

28 of 64 Large CUs have this signature | 608 nationally

→ Stable (28→28 CUs) | Rank improving

Profitability Leader

growth

#4 of 16 • Top 20.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.74%

(Tier: 0.91%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.42% points

(Tier: 0.13% points, National: 0.05% points)

better than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY | Rank improving

Emerging Performer

growth

#5 of 21 • Top 20.0% 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: 1.74%

(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

21 of 64 Large CUs have this signature | 288 nationally

→ Stable (17→21 CUs) +4 CUs YoY | New qualifier

Credit Quality Leader

growth

#7 of 16 • Top 40.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.22%

(Tier: 0.65%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY | Rank improving

Concerns (2)

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

Credit Risk Growth

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)

Compare against:

Comparing against 34 peers in tier

Top Strengths (8 metrics)

Return on Assets (ROA)

profitability

Value: 1.74%

Peer Avg: -

#1 of 34 Top 0.0% in 5B-7B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 34 Top 0.0% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 662.110

Peer Avg: -

#2 of 34 Top 2.9% in 5B-7B tier

Total Members

engagement

Value: 392,631

Peer Avg: -

#3 of 34 Top 5.9% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Avg: -

#4 of 34 Top 8.8% in 5B-7B tier

Net Worth Ratio

risk

Value: 14.00%

Peer Avg: -

#4 of 34 Top 8.8% in 5B-7B tier

Efficiency Ratio

profitability

Value: 54.43%

Peer Avg: -

#5 of 34 Top 11.8% in 5B-7B tier

First Mortgage Concentration (%)

balance_sheet

Value: 26.02%

Peer Avg: -

#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (6 metrics)

Average Member Relationship (AMR)

engagement

Value: $16,995

Peer Avg: -

#34 of 34 Bottom 2.9% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $5,776

Peer Avg: -

#34 of 34 Bottom 2.9% in 5B-7B tier

Total Loans

balance_sheet

Value: $2.27B

Peer Avg: -

#33 of 34 Bottom 5.9% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 51.49%

Peer Avg: -

#32 of 34 Bottom 8.8% in 5B-7B tier

Total Assets

balance_sheet

Value: $5.11B

Peer Avg: -

#29 of 34 Bottom 17.6% in 5B-7B tier

Total Deposits

balance_sheet

Value: $4.40B

Peer Avg: -

#28 of 34 Bottom 20.6% in 5B-7B tier