BlastPoint's Credit Union Scorecard
EDUCATION 1ST
Charter #67127 · UT
EDUCATION 1ST has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.4% in tier
- + Asset Growth Rate: Top 0.5% in tier
- + Deposit Growth Rate: Top 0.5% in tier
- + Average Member Relationship (AMR): Top 0.5% in tier
- + AMR Growth Rate: Top 1.5% in tier
- + Total Loans: Top 3.2% in tier
- + Loan Growth Rate: Top 6.5% in tier
- + Total Deposits: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Net Worth Ratio: Bottom 4.8% in tier
- - First Mortgage Concentration (%): Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,601
-0.3% YoY-0.5% QoQ
|
-14 |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$73.9M
+38.1% YoY+23.0% QoQ
|
+$43.7M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Top 10.6% in tier |
| Loans |
$55.9M
+13.9% YoY+2.4% QoQ
|
+$40.1M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Top 3.2% in tier |
| Deposits |
$67.7M
+41.2% YoY+25.3% QoQ
|
+$42.0M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Top 8.0% in tier |
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| ROA |
0.5%
-33.8% YoY-46.5% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
2.9%
+0.1% YoY-8.3% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
15% |
| Efficiency Ratio |
65.5%
-9.3% YoY-0.3% QoQ
|
-17.1% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.7%
+5800.5% YoY+499.9% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
82.5%
-19.3% YoY-18.3% QoQ
|
+21.9% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$47,511
+27.8% YoY+14.4% QoQ
|
+$33K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 0.6% in tier |
| CD Concentration |
12.0%
-22.6% YoY-15.9% QoQ
|
-12.5% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 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)