BlastPoint's Credit Union Scorecard
EDUCATORS
Charter #67611 · TX
EDUCATORS has 7 strengths but faces 10 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 87.3% in tier
- + ROA 1.36% above tier average
- + Efficiency Ratio: Top 0.0% in tier
- + Net Worth Ratio: Top 0.6% in tier
- + Members Per Employee (MPE): Top 2.4% in tier
- + Total Delinquency Rate (60+ days): Top 3.6% in tier
- + Net Charge-Off Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9.0% in tier
- - Indirect Auto Dependency: Bottom 27.7% in tier
- - Institutional Decline: Bottom 62.3% in tier
- - Stagnation Risk: Bottom 80.7% in tier
- - Membership Headwinds: Bottom 84.8% in tier
- - Credit Quality Pressure: Bottom 88.2% in tier
- - Total Loans: Bottom 1.8% 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 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,492
-1.1% YoY+0.0% QoQ
|
-11.1K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.1% in tier |
| Assets |
$593.2M
+8.0% YoY+1.8% QoQ
|
$-28.5M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$147.0M
-3.3% YoY-0.3% QoQ
|
$-282.8M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.2% in tier |
| Deposits |
$475.6M
+7.2% YoY+1.5% QoQ
|
$-63.1M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
2.0%
+11.1% YoY+3.1% QoQ
|
+1.4% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 1.2% in tier |
| NIM |
3.0%
+4.7% YoY+0.9% QoQ
|
-0.5% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
38.6%
-9.8% YoY-3.7% QoQ
|
-38.9% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
0.2%
+28.0% YoY+48.4% QoQ
|
-0.7 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
30.9%
-9.9% YoY-1.8% QoQ
|
-48.9% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.2% in tier |
| AMR |
$22,646
+5.7% YoY+1.1% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
33.2%
+13.1% YoY+1.5% QoQ
|
+8.8% | 24.4% | 21.2% | 19.8% | 79% |
| Indirect Auto % |
25.2%
-16.5% YoY-4.7% QoQ
|
+11.4% | 13.8% | 7.1% | 7.8% | 78% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)