EDUCATION 1ST
Charter #67127 | UT
<100M
(2596 CUs)
Micro
($0-$500M)
30 <100M in UT
EDUCATION 1ST has 10 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.4% in tier
- + Average Member Relationship (AMR): Top 1.0% in tier
- + Deposit Growth Rate: Top 1.8% in tier
- + Loan-to-Share Ratio: Top 3.6% in tier
- + Total Loans: Top 3.6% in tier
- + AMR Growth Rate: Top 3.8% in tier
- + Asset Growth Rate: Top 4.1% in tier
- + Loan Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 5.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,615
+0.1% YoY+0.2% QoQ
|
-10 |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
62nd in tier |
| Assets |
$60.0M
+13.6% YoY-1.0% QoQ
|
+$30.2M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
Top 17.0% in tier |
| Loans |
$54.6M
+12.0% YoY+3.2% QoQ
|
+$38.8M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Top 3.7% in tier |
| Deposits |
$54.1M
+21.6% YoY-1.5% QoQ
|
+$28.6M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
Top 15.7% in tier |
| ROA |
1.0%
+61.2% YoY+10.8% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
62nd in tier |
| NIM |
3.1%
+12.7% YoY+2.2% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 21.6% in tier |
| Efficiency Ratio |
65.7%
-9.2% YoY+2.2% QoQ
|
-15.7% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 22.8% in tier |
| Delinquency Rate |
0.1%
-38.6% YoY-81.7% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 22.3% in tier |
| Loan To Share |
100.9%
-7.9% YoY+4.8% QoQ
|
+39.7% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 3.8% in tier |
| AMR |
$41,540
+16.4% YoY+0.7% QoQ
|
+$27K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Top 1.0% in tier |
| CD Concentration |
14.2%
-14.8% YoY+3.9% QoQ
|
-10.2% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (14 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
12
Loan-to-Member Ratio (LMR)
engagement
Value:
$20,867
Peer Avg: $5,488
#12 of 2596
Top 0.4% in <100M tier
27
Average Member Relationship (AMR)
engagement
Value:
$41,540
Peer Avg: $14,627
#27 of 2596
Top 1.0% in <100M tier
49
Deposit Growth Rate
growth
Value:
21.57%
Peer Avg: 16.80%
#49 of 2596
Top 1.8% in <100M tier
94
Loan-to-Share Ratio
balance_sheet
Value:
100.94%
Peer Avg: 61.23%
#94 of 2596
Top 3.6% in <100M tier
95
Total Loans
balance_sheet
Value:
$54.57M
Peer Avg: $15.77M
#95 of 2596
Top 3.6% in <100M tier
99
AMR Growth Rate
growth
Value:
16.41%
Peer Avg: 4.67%
#99 of 2596
Top 3.8% in <100M tier
107
Asset Growth Rate
growth
Value:
13.57%
Peer Avg: 1.82%
#107 of 2596
Top 4.1% in <100M tier
217
Loan Growth Rate
growth
Value:
11.96%
Peer Avg: 59.01%
#217 of 2596
Top 8.3% in <100M tier
343
Fee Income Per Member
profitability
Value:
$155.48
Peer Avg: $182.96
#343 of 2596
Top 13.2% in <100M tier
Top Weaknesses (3 metrics)
2452
First Mortgage Concentration (%)
balance_sheet
Value:
54.60%
Peer Avg: 14.49%
#2452 of 2596
Bottom 5.6% in <100M tier
2228
Net Worth Ratio
risk
Value:
9.65%
Peer Avg: 16.43%
#2228 of 2596
Bottom 14.2% in <100M tier
2034
Net Interest Margin (NIM)
profitability
Value:
3.12%
Peer Avg: 3.93%
#2034 of 2596
Bottom 21.7% in <100M tier