BlastPoint's Credit Union Scorecard
EDUCATION
Charter #67494 · TX
EDUCATION has 9 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 44.7% in tier
- + Organic Growth Engine: Top 53.7% in tier
- + Net Interest Margin 1.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 0.4% in tier
- + Total Members: Top 1.3% in tier
- + Total Assets: Top 2.2% in tier
- + Total Deposits: Top 2.8% in tier
- + Fee Income Per Member: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 52.4% in tier
- - Liquidity Strain: Bottom 89.0% in tier
- - Flatlined Growth: Bottom 90.0% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 1.32% above tier (higher cost structure)
- - Delinquency rate 0.23% above tier average
- - Net Charge-Off Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,649
+2.9% YoY+0.5% QoQ
|
+26.2K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 1.4% in tier |
| Assets |
$476.8M
+1.9% YoY+0.1% QoQ
|
+$244.9M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 2.3% in tier |
| Loans |
$381.0M
-0.9% YoY+0.4% QoQ
|
+$233.6M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 0.5% in tier |
| Deposits |
$411.5M
+8.5% YoY-0.1% QoQ
|
+$210.7M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 2.9% in tier |
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| ROA |
0.7%
-296.3% YoY+977.1% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
4.9%
+20.1% YoY+12.9% QoQ
|
+1.3% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 4.0% in tier |
| Efficiency Ratio |
78.3%
-14.2% YoY-7.0% QoQ
|
+1.3% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.1%
+21.3% YoY+26.6% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
92.6%
-8.6% YoY+0.5% QoQ
|
+20.3% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 10.2% in tier |
| AMR |
$19,029
+0.9% YoY-0.4% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
34.0%
+3.6% YoY-1.7% QoQ
|
+9.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)