BlastPoint's Credit Union Scorecard

EDUCATORS

Charter #67611 · TX

Community 500M-750M

169 CUs in 500M-750M nationally 16 in TX

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EDUCATORS has 8 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 12.4% in tier
+ Credit Quality Leader: Top 21.8% in tier
+ ROA 1.30% above tier average
+ Efficiency Ratio: Top 0.0% in tier
+ Net Worth Ratio: Top 0.6% in tier
+ Total Delinquency Rate (60+ days): Top 1.8% in tier
+ Net Charge-Off Rate: Top 2.4% in tier
+ Members Per Employee (MPE): Top 2.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 7.8% in tier
- Stagnation Risk: Bottom 8.8% in tier
- Liquidity Overhang: Bottom 10.5% in tier
- Institutional Decline: Bottom 14.4% in tier
- Membership Headwinds: Bottom 26.3% in tier
- Loan-to-Share Ratio: Bottom 1.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- Total Loans: Bottom 1.8% in tier
- Fee Income Per Member: Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	27,490 -1.3% YoY+0.5% QoQ	-12.3K	39,752 -2.7% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	Bottom 11.8% in tier
Assets	$582.8M +6.8% YoY+0.5% QoQ	$-39.6M	$622.4M +0.3% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	36%
Loans	$147.5M -5.9% YoY-1.4% QoQ	$-288.5M	$435.9M -0.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	Bottom 1.2% in tier
Deposits	$468.4M +5.8% YoY-0.0% QoQ	$-69.6M	$538.0M +1.3% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	Bottom 14.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.0% +10.2% YoY+5.2% QoQ	+1.3%	0.7% +33.9% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	Top 1.2% in tier
NIM	2.9% +4.3% YoY+2.2% QoQ	-0.5%	3.4% +8.6% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	18%
Efficiency Ratio	40.1% -8.5% YoY-4.1% QoQ	-38.0%	78.1% -3.4% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	Bottom 0.0% in tier
Delinquency Rate	0.1% -28.3% YoY-9.7% QoQ	-0.7	0.8% -4.9% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	Bottom 1.8% in tier
Loan To Share	31.5% -11.1% YoY-1.3% QoQ	-49.5%	81.0% -1.8% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	Bottom 1.2% in tier
AMR	$22,404 +4.1% YoY-0.8% QoQ	$-4K	$26,482 +2.6% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	34%
CD Concentration	32.7% +12.5% YoY+4.0% QoQ	+8.3%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	79%
Indirect Auto %	26.4% -14.6% YoY-5.8% QoQ	+12.4%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	79%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#43 of 340 • Top 12.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.96%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Credit Quality Leader

growth

#75 of 340 • Top 21.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.12%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.05% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (5)

Indirect Auto Dependency

risk

#126 of 525 • Bottom 7.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.76%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 26.41%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.25%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk

#146 of 550 • Bottom 8.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.25%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.93%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.12%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk

#15 of 134 • Bottom 10.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.48%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 31.49%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 281 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

Institutional Decline

decline

#114 of 256 • Bottom 14.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $582.81M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -1.25%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.93%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 281 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Membership Headwinds

decline

#433 of 550 • Bottom 26.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.25%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 40.09%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.96%

Peer Avg: -

#2 of 169 Top 0.6% in 500M-750M tier

Net Worth Ratio

risk

Value: 19.48%

Peer Avg: -

#2 of 169 Top 0.6% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Avg: -

#4 of 169 Top 1.8% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Avg: -

#5 of 169 Top 2.4% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 584.894

Peer Avg: -

#5 of 169 Top 2.4% in 500M-750M tier

Asset Growth Rate

growth

Value: 6.76%

Peer Avg: -

#42 of 169 Top 24.3% in 500M-750M tier

Top Weaknesses (9 metrics)

167

Loan-to-Share Ratio

balance_sheet

Value: 31.49%

Peer Avg: -

#167 of 169 Bottom 1.8% in 500M-750M tier

167

Loan-to-Member Ratio (LMR)

engagement

Value: $5,365

Peer Avg: -

#167 of 169 Bottom 1.8% in 500M-750M tier

167

Total Loans

balance_sheet

Value: $147.50M

Peer Avg: -

#167 of 169 Bottom 1.8% in 500M-750M tier

165

Fee Income Per Member

profitability

Value: $77.31

Peer Avg: -

#165 of 169 Bottom 3.0% in 500M-750M tier

153

Loan Growth Rate

growth

Value: -5.93%

Peer Avg: -

#153 of 169 Bottom 10.1% in 500M-750M tier

149

Total Members

engagement

Value: 27,490

Peer Avg: -

#149 of 169 Bottom 12.4% in 500M-750M tier

145

Total Deposits

balance_sheet

Value: $468.38M

Peer Avg: -

#145 of 169 Bottom 14.8% in 500M-750M tier

138

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Avg: -

#138 of 169 Bottom 18.9% in 500M-750M tier

131

Share Certificate Concentration (%)

balance_sheet

Value: 32.70%

Peer Avg: -

#131 of 169 Bottom 23.1% in 500M-750M tier