BlastPoint's Credit Union Scorecard
EDUCATORS
Charter #66448 · WI
EDUCATORS has 5 strengths but faces 2 concerns
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 19.5% in tier
- + ROA 0.89% above tier average
- + Share Certificate Concentration (%): Top 2.6% in tier
- + Net Worth Ratio: Top 5.1% in tier
- + Fee Income Per Member: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 85.3% in tier
- - Stagnation Risk: Bottom 85.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
232,112
-2.0% YoY+0.1% QoQ
|
+11.7K |
220,435
-7.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
59% |
| Assets |
$3.9B
+8.1% YoY+3.8% QoQ
|
$-24.4M |
$3.9B
-1.5% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$2.5B
+3.9% YoY-0.2% QoQ
|
$-384.2M |
$2.9B
-1.1% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$3.3B
+5.7% YoY+2.6% QoQ
|
+$15.3M |
$3.3B
-2.5% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
49% |
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| ROA |
1.6%
+6.2% YoY+12.5% QoQ
|
+0.9% |
0.7%
+10.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
Top 3.8% in tier |
| NIM |
3.2%
-0.6% YoY-0.1% QoQ
|
+0.0% |
3.2%
+4.6% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
63.5%
-3.8% YoY-1.2% QoQ
|
-7.7% |
71.3%
-2.6% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
0.7%
-8.9% YoY-27.7% QoQ
|
-0.1 |
0.7%
+9.2% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
75.7%
-1.7% YoY-2.7% QoQ
|
-12.3% |
88.0%
+0.9% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
15% |
| AMR |
$25,083
+7.0% YoY+1.3% QoQ
|
$-6K |
$30,672
+5.5% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
14.6%
-0.6% YoY-1.0% QoQ
|
-14.3% | 28.8% | 21.6% | 19.8% | Bottom 5.7% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 8.0% | 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)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)