BlastPoint's Credit Union Scorecard

EDUCATORS

Charter #66448 · WI

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 5 in WI

View Mid-Market leaderboard →

EDUCATORS has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 25.5% in tier
+ Wallet Share Momentum: Top 55.6% in tier
+ ROA 0.73% above tier average
+ Net Interest Margin 0.04% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 3.9% in tier
+ Net Worth Ratio: Top 5.3% in tier
+ Fee Income Per Member: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.6% in tier
- Credit Quality Pressure: Bottom 10.3% in tier
- Delinquency rate 0.11% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	231,991 -0.2% YoY-1.8% QoQ	-6.5K	238,465 +0.6% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	54%
Assets	$3.7B +8.0% YoY+1.1% QoQ	$-297.0M	$4.0B -0.1% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	37%
Loans	$2.5B +7.4% YoY+1.3% QoQ	$-538.1M	$3.0B +3.3% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	Bottom 14.5% in tier
Deposits	$3.2B +7.0% YoY+0.4% QoQ	$-171.5M	$3.3B +1.1% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	36%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% +25.5% YoY+0.6% QoQ	+0.7%	0.7% +5.3% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	Top 6.6% in tier
NIM	3.2% +9.9% YoY+0.5% QoQ	+0.0%	3.2% +13.7% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	47%
Efficiency Ratio	65.1% -4.5% YoY-0.3% QoQ	-6.2%	71.3% -0.6% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	29%
Delinquency Rate	1.0% +22.0% YoY-6.0% QoQ	+0.1	0.8% +15.9% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	74%
Loan To Share	78.5% +0.4% YoY+0.9% QoQ	-12.4%	90.8% +2.0% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	16%
AMR	$24,322 +7.4% YoY+2.6% QoQ	$-5K	$29,088 +0.1% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	25%
CD Concentration	14.9% -5.1% YoY+0.5% QoQ	-14.1%	29.0% +0.7% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	Bottom 6.1% in tier
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Profitability Leader

growth

#25 of 95 • Top 25.5% in tier

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

Why This Signature

Return on Assets: 1.47%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.30% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Wallet Share Momentum

growth

#65 of 116 • Top 55.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.38%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#49 of 161 • Bottom 8.6% in tier

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

Why This Signature

Loan Growth (YoY): 7.38%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

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

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk

#80 of 217 • Bottom 10.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 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 76 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 76 Top 0.0% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 14.86%

Peer Avg: -

#4 of 76 Top 3.9% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.47%

Peer Avg: -

#5 of 76 Top 5.3% in 3B-5B tier

Net Worth Ratio

risk

Value: 14.02%

Peer Avg: -

#5 of 76 Top 5.3% in 3B-5B tier

Fee Income Per Member

profitability

Value: $284.33

Peer Avg: -

#8 of 76 Top 9.2% in 3B-5B tier

AMR Growth Rate

growth

Value: 7.38%

Peer Avg: -

#11 of 76 Top 13.2% in 3B-5B tier

Top Weaknesses (5 metrics)

Member Growth Rate

growth

Value: -0.21%

Peer Avg: -

#68 of 76 Bottom 11.8% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 52.71%

Peer Avg: -

#65 of 76 Bottom 15.8% in 3B-5B tier

Total Loans

balance_sheet

Value: $2.48B

Peer Avg: -

#65 of 76 Bottom 15.8% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 78.47%

Peer Avg: -

#64 of 76 Bottom 17.1% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,694

Peer Avg: -

#60 of 76 Bottom 22.4% in 3B-5B tier