BlastPoint's Credit Union Scorecard
EDUCATION 1ST
Charter #67127 · 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
|
62% |
| 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
|
83% |
| 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
|
84% |
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| 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
|
62% |
| 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
|
22% |
| 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
|
23% |
| 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
|
22% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
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)