EDUCATORS

Charter #67611 | TX

500M-750M (169 CUs) Community (281 CUs)
16 500M-750M in TX

EDUCATORS has 8 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 15.6% in tier
  • + Wallet Share Momentum: Top 20.7% 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

  • - Liquidity Overhang: Bottom 0.5% in tier
  • - Indirect Auto Dependency: Bottom 7.8% in tier
  • - Stagnation Risk: Bottom 8.8% 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
 36th in tier
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
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
 Bottom 18.3% in tier
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
 34th in tier
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
 Top 21.4% in tier
Indirect Auto % 26.4%
-14.6% YoY-5.8% QoQ
 +12.4% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 21.1% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#431 of 1006 • Top 15.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.05%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#571 of 1006 • Top 20.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.05%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Liquidity Overhang

risk
#9 of 552 • Bottom 0.5% 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
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

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: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.25%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#146 of 550 • Bottom 8.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.96%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.25%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 32.70%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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: $622.38M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.25%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -5.93%
(Tier: 3.64%, 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
550 of 281 Community CUs have this signature | 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)

Comparing against 169 peers in tier

Top Strengths (7 metrics)

1
Efficiency Ratio
profitability
Value: 40.09%
Peer Avg: 78.10%
#1 of 169 Top 0.0% in 500M-750M tier
2
Return on Assets (ROA)
profitability
Value: 1.96%
Peer Avg: 0.66%
#2 of 169 Top 0.6% in 500M-750M tier
2
Net Worth Ratio
risk
Value: 19.48%
Peer Avg: 10.94%
#2 of 169 Top 0.6% in 500M-750M tier
4
Total Delinquency Rate (60+ days)
risk
Value: 0.12%
Peer Avg: 0.80%
#4 of 169 Top 1.8% in 500M-750M tier
5
Net Charge-Off Rate
risk
Value: 0.03%
Peer Avg: 0.51%
#5 of 169 Top 2.4% in 500M-750M tier
5
Members Per Employee (MPE)
engagement
Value: 584.894
Peer Avg: 338.010
#5 of 169 Top 2.4% in 500M-750M tier
42
Asset Growth Rate
growth
Value: 6.76%
Peer Avg: 4.33%
#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: 81.02%
#167 of 169 Bottom 1.8% in 500M-750M tier
167
Loan-to-Member Ratio (LMR)
engagement
Value: $5,365
Peer Avg: $11,805
#167 of 169 Bottom 1.8% in 500M-750M tier
167
Total Loans
balance_sheet
Value: $147.50M
Peer Avg: $435.95M
#167 of 169 Bottom 1.8% in 500M-750M tier
165
Fee Income Per Member
profitability
Value: $77.31
Peer Avg: $199.27
#165 of 169 Bottom 3.0% in 500M-750M tier
153
Loan Growth Rate
growth
Value: -5.93%
Peer Avg: 4.04%
#153 of 169 Bottom 10.1% in 500M-750M tier
149
Total Members
engagement
Value: 27,490
Peer Avg: 39,752
#149 of 169 Bottom 12.4% in 500M-750M tier
145
Total Deposits
balance_sheet
Value: $468.38M
Peer Avg: $538.02M
#145 of 169 Bottom 14.8% in 500M-750M tier
138
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Avg: 3.43%
#138 of 169 Bottom 18.9% in 500M-750M tier
131
Share Certificate Concentration (%)
balance_sheet
Value: 32.70%
Peer Avg: 26.87%
#131 of 169 Bottom 23.1% in 500M-750M tier