BlastPoint's Credit Union Scorecard
EDUCATORS
Charter #67611 · TX
EDUCATORS has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.49% above tier average
- + Efficiency Ratio: Top 0.1% in tier
- + Net Worth Ratio: Top 0.1% in tier
- + Net Charge-Off Rate: Top 2.4% in tier
- + Members Per Employee (MPE): Top 3.6% in tier
- + Total Delinquency Rate (60+ days): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.9% in tier
- - Indirect Auto Dependency: Bottom 41.6% in tier
- - Credit Quality Pressure: Bottom 46.5% in tier
- - Total Loans: Bottom 1.2% in tier
- - Loan-to-Share Ratio: Bottom 1.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Fee Income Per Member: Bottom 2.4% in tier
- - Loan Growth Rate: Bottom 6.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits +3.5% year over year ($485M in shares and deposits).
- Membership: 27,329 members, -0.1% vs a year ago.
- Delinquency rate 0.17%.
- Return on assets 2.31%.
- Efficiency ratio 34.74% vs a 76.56% peer average.
- Loan-to-share ratio 28.41% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,329
-0.1% YoY-0.5% QoQ
|
-10.6K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 13.3% in tier |
| Assets |
$609.5M
+5.2% YoY+0.9% QoQ
|
$-12.9M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$137.7M
-7.9% YoY-3.8% QoQ
|
$-290.8M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.6% in tier |
| Deposits |
$484.8M
+3.5% YoY+0.3% QoQ
|
$-54.9M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
2.3%
+24.1% YoY+4.4% QoQ
|
+1.5% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 3.6% in tier |
| NIM |
3.2%
+11.5% YoY+1.6% QoQ
|
-0.3% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
34.7%
-16.9% YoY-5.9% QoQ
|
-41.8% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 0.1% in tier |
| Delinquency Rate |
0.2%
+32.5% YoY-0.9% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 7.3% in tier |
| Loan To Share |
28.4%
-11.0% YoY-4.1% QoQ
|
-50.9% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.2% in tier |
| AMR |
$22,780
+0.8% YoY-0.1% QoQ
|
$-5K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
32.9%
+4.5% YoY-1.3% QoQ
|
+8.3% | 24.6% | 21.6% | 20.0% | 78% |
| Indirect Auto % |
22.5%
-20.0% YoY-6.3% QoQ
|
+8.8% | 13.6% | 6.9% | 7.7% | 74% |
Signature Analysis
Strengths (0)
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)