BlastPoint's Credit Union Scorecard

EDUCATIONAL COMMUNITY

Charter #62589 · MO

<100M

2508 CUs in <100M nationally 59 in MO

EDUCATIONAL COMMUNITY has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.35% above tier average
+ Total Members: Top 4.0% in tier
+ Total Deposits: Top 7.1% in tier
+ Total Loans: Top 8.3% in tier
+ Total Assets: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Member decline: -7.8% YoY
- Indirect Auto Concentration (%): Bottom 3.3% in tier
- Member Growth Rate: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	7,557 -7.8% YoY-2.9% QoQ	+4.9K	2,676 +1.6% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	Top 4.0% in tier
Assets	$77.1M +1.0% YoY+3.0% QoQ	+$46.9M	$30.2M +1.3% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	Top 8.9% in tier
Loans	$41.7M -9.9% YoY-4.0% QoQ	+$26.4M	$15.3M -2.0% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	Top 8.4% in tier
Deposits	$69.0M +0.6% YoY+3.3% QoQ	+$43.3M	$25.8M +0.7% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	Top 7.1% in tier

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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	0.5% -3.5% YoY-23.8% QoQ	+0.4%	0.1% -77.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	44%
NIM	3.9% -1.8% YoY-7.7% QoQ	-0.1%	4.0% +4.0% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	52%
Efficiency Ratio	81.9% -3.7% YoY+1.6% QoQ	-8.8%	90.6% +6.5% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	1.3% +51.4% YoY-12.9% QoQ	-0.2	1.5% +3.8% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	70%
Loan To Share	60.3% -10.4% YoY-7.0% QoQ	+1.8%	58.5% -3.0% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	52%
AMR	$14,649 +4.5% YoY+3.4% QoQ	$-235	$14,884 -1.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	53%
CD Concentration	11.7% +31.3% YoY+2.5% QoQ	-12.6%	24.3%	18.1%	19.8%	50%
Indirect Auto %	33.8% -22.9% YoY-17.7% QoQ	+20.0%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

101

Total Members

engagement

Value: 7,557

Peer Median: 1,918

#101 of 2508 Top 4.0% in <100M tier

178

Total Deposits

balance_sheet

Value: $69.04M

Peer Median: $18.77M

#178 of 2508 Top 7.1% in <100M tier

210

Total Loans

balance_sheet

Value: $41.66M

Peer Median: $9.48M

#210 of 2508 Top 8.3% in <100M tier

224

Total Assets

balance_sheet

Value: $77.08M

Peer Median: $21.86M

#224 of 2508 Top 8.9% in <100M tier

Top Weaknesses (5 metrics)

2427

Indirect Auto Concentration (%)

balance_sheet

Value: 33.84%

Peer Median: 0.00%

#2427 of 2508 Bottom 3.3% in <100M tier

2284

Member Growth Rate

growth

Value: -7.76%

Peer Median: -1.37%

#2284 of 2508 Bottom 9.0% in <100M tier

2104

Net Worth Ratio

risk

Value: 9.84%

Peer Median: 14.28%

#2104 of 2508 Bottom 16.1% in <100M tier

1934

Loan Growth Rate

growth

Value: -9.85%

Peer Median: -2.36%

#1934 of 2508 Bottom 22.9% in <100M tier

1884

Net Charge-Off Rate

risk

Value: 0.54%

Peer Median: 0.07%

#1884 of 2508 Bottom 24.9% in <100M tier