BlastPoint's Credit Union Scorecard
EDUCATORS
Charter #66448 · WI
EDUCATORS has 5 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 19.9% in tier
- + ROA 0.48% above tier average
- + Net Interest Margin 0.07% above tier average
- + Share Certificate Concentration (%): Top 2.6% in tier
- + Net Worth Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 82.3% in tier
- - Membership Headwinds: Bottom 82.3% in tier
- - Delinquency rate 0.14% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 5 that size in Wisconsin.
- Shares and deposits +6.2% year over year ($3.34B in shares and deposits).
- Membership: 232,579 members, -1.5% vs a year ago.
- Delinquency rate 0.97%.
- Return on assets 1.41%.
- Efficiency ratio 66.42% vs a 69.45% peer average.
- Loan-to-share ratio 76.61% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
232,579
-1.5% YoY+0.2% QoQ
|
+16.0K |
216,545
-9.5% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$4.0B
+9.7% YoY+2.4% QoQ
|
+$83.5M |
$3.9B
-1.6% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$2.6B
+4.6% YoY+2.1% QoQ
|
$-369.8M |
$2.9B
-1.2% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$3.3B
+6.2% YoY+0.9% QoQ
|
+$86.3M |
$3.3B
-2.6% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
1.4%
-3.7% YoY-13.1% QoQ
|
+0.5% |
0.9%
+25.3% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
3.3%
+2.6% YoY+1.8% QoQ
|
+0.1% |
3.2%
+3.8% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
66.4%
+1.8% YoY+4.6% QoQ
|
-3.0% |
69.5%
-2.3% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
1.0%
-4.9% YoY+45.8% QoQ
|
+0.1 |
0.8%
+5.5% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
76.6%
-1.5% YoY+1.2% QoQ
|
-13.6% |
90.2%
+0.9% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$25,389
+7.1% YoY+1.2% QoQ
|
$-6K |
$31,018
+6.9% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
14.3%
-3.1% YoY-1.6% QoQ
|
-14.8% | 29.1% | 21.6% | 20.0% | Bottom 5.1% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 8.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)