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 1.53% above tier average
- + Efficiency Ratio: Top 0.1% in tier
- + Net Worth Ratio: Top 1.2% in tier
- + Members Per Employee (MPE): Top 3.0% in tier
- + Net Charge-Off Rate: Top 4.2% in tier
- + Total Delinquency Rate (60+ days): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.9% in tier
- - Institutional Decline: Bottom 15.6% in tier
- - Indirect Auto Dependency: Bottom 34.6% in tier
- - Credit Quality Pressure: Bottom 54.3% in tier
- - Stagnation Risk: Bottom 65.3% in tier
- - Membership Headwinds: Bottom 65.3% in tier
- - Total Loans: Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 1.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,453
-1.2% YoY-0.1% QoQ
|
-10.6K |
38,079
-4.8% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 13.8% in tier |
| Assets |
$604.0M
+5.9% YoY+1.8% QoQ
|
$-15.7M |
$619.7M
-0.2% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$143.1M
-4.9% YoY-2.7% QoQ
|
$-276.2M |
$419.3M
-1.4% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.2% in tier |
| Deposits |
$483.2M
+4.6% YoY+1.6% QoQ
|
$-56.3M |
$539.5M
-0.1% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
23% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.2%
+22.5% YoY+9.6% QoQ
|
+1.5% |
0.7%
+36.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 2.4% in tier |
| NIM |
3.1%
+11.1% YoY+6.3% QoQ
|
-0.3% |
3.5%
+4.5% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
36.9%
-17.2% YoY-4.4% QoQ
|
-41.5% |
78.4%
-3.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 0.1% in tier |
| Delinquency Rate |
0.2%
+1.0% YoY-0.3% QoQ
|
-0.5 |
0.7%
-0.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 9.0% in tier |
| Loan To Share |
29.6%
-9.1% YoY-4.2% QoQ
|
-48.1% |
77.7%
-1.2% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.2% in tier |
| AMR |
$22,812
+3.5% YoY+0.7% QoQ
|
$-4K |
$26,927
+3.1% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
33.3%
+8.9% YoY+0.3% QoQ
|
+9.0% | 24.3% | 21.3% | 19.8% | 80% |
| Indirect Auto % |
24.0%
-18.3% YoY-4.8% QoQ
|
+10.2% | 13.8% | 6.9% | 7.7% | 77% |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)