BlastPoint's Credit Union Scorecard
EDUCATIONAL COMMUNITY
Charter #62589 · MO
EDUCATIONAL COMMUNITY has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Net Interest Margin 0.23% above tier average
- + Total Members: Top 4.1% in tier
- + Total Loans: Top 8.2% in tier
- + Total Deposits: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.6% YoY
- - Indirect Auto Concentration (%): Bottom 2.5% in tier
- - Member Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,779
-8.6% YoY-1.9% QoQ
|
+5.2K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 4.1% in tier |
| Assets |
$74.8M
-0.6% YoY+0.4% QoQ
|
+$44.7M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 10.1% in tier |
| Loans |
$43.4M
-10.4% YoY-3.9% QoQ
|
+$27.6M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 8.3% in tier |
| Deposits |
$66.8M
-1.4% YoY+0.5% QoQ
|
+$41.1M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Top 8.5% in tier |
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| ROA |
0.7%
+14.7% YoY-13.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
4.2%
+0.9% YoY+0.5% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
80.6%
+0.3% YoY+2.4% QoQ
|
-2.0% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
1.5%
+33.2% YoY+49.7% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
64.9%
-9.1% YoY-4.4% QoQ
|
+4.3% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$14,168
+3.7% YoY+0.7% QoQ
|
$-615 |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
11.4%
+2.3% YoY+7.4% QoQ
|
-13.0% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
41.1%
-8.1% YoY-1.6% QoQ
|
+27.3% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)