BlastPoint's Credit Union Scorecard
EDUCATORS
Charter #66448 · WI
EDUCATORS has 6 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 42.6% in tier
- + ROA 0.73% above tier average
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 3.9% in tier
- + Net Worth Ratio: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 69.3% in tier
- - Credit Quality Pressure: Bottom 70.5% in tier
- - Delinquency rate 0.04% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
231,831
-0.3% YoY-0.1% QoQ
|
+1.5K |
230,353
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$3.7B
+10.5% YoY+2.0% QoQ
|
$-194.0M |
$3.9B
+0.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$2.5B
+6.9% YoY+1.3% QoQ
|
$-421.7M |
$2.9B
-0.2% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$3.2B
+9.1% YoY+2.1% QoQ
|
$-82.3M |
$3.3B
-0.3% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
42% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+31.9% YoY-2.0% QoQ
|
+0.7% |
0.7%
+16.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Top 6.6% in tier |
| NIM |
3.3%
+8.3% YoY+0.4% QoQ
|
+0.1% |
3.1%
+9.8% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
64.3%
-6.5% YoY-1.2% QoQ
|
-7.1% |
71.4%
-1.4% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.9%
+9.3% YoY-3.9% QoQ
|
+0.0 |
0.9%
+5.8% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
77.9%
-2.0% YoY-0.8% QoQ
|
-11.1% |
88.9%
-0.2% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$24,768
+8.4% YoY+1.8% QoQ
|
$-5K |
$29,682
+1.5% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
14.7%
-2.0% YoY-1.0% QoQ
|
-14.3% | 29.0% | 21.5% | 19.8% | Bottom 5.9% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 8.0% | 7.8% | Bottom 0.0% 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)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)