BlastPoint's Credit Union Scorecard
EDUCATION 1ST
Charter #67127 · UT
EDUCATION 1ST has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Loan-to-Member Ratio (LMR): Top 0.4% in tier
- + Average Member Relationship (AMR): Top 1.0% in tier
- + Total Loans: Top 4.0% in tier
- + Loan-to-Share Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,590
-0.5% YoY-0.4% QoQ
|
-86 |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$61.7M
+2.7% YoY-16.4% QoQ
|
+$31.5M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$52.1M
+0.6% YoY-6.7% QoQ
|
+$36.8M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
Top 4.0% in tier |
| Deposits |
$55.5M
+1.9% YoY-18.1% QoQ
|
+$29.7M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Top 15.0% in tier |
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 |
0.9%
-20.2% YoY+56.4% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
3.2%
+1.5% YoY+12.1% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
71.9%
+11.0% YoY+9.9% QoQ
|
-18.7% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
29% |
| Delinquency Rate |
0.2%
+337.6% YoY-65.9% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
93.9%
-1.3% YoY+13.9% QoQ
|
+35.4% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 5.7% in tier |
| AMR |
$41,537
+1.8% YoY-12.6% QoQ
|
+$27K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Top 1.0% in tier |
| CD Concentration |
15.3%
+11.6% YoY+27.9% QoQ
|
-9.0% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.7% | 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)