BlastPoint's Credit Union Scorecard
EDUCATION FIRST CREDIT UNION, INC.
Charter #68447 · OH
EDUCATION FIRST CREDIT UNION, INC. has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.60% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 7.70% above tier (higher cost structure)
- - Delinquency rate 0.53% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,154
-0.2% YoY-0.5% QoQ
|
-3.3K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$146.7M
+1.3% YoY-0.1% QoQ
|
$-85.1M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$102.7M
+2.5% YoY+0.1% QoQ
|
$-44.6M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$127.9M
+2.8% YoY-0.8% QoQ
|
$-72.9M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
0.4%
+38.7% YoY+114.3% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
4.2%
+4.9% YoY+3.1% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
84.7%
-1.8% YoY-1.9% QoQ
|
+7.7% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.4%
-17.7% YoY-8.7% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
80.3%
-0.3% YoY+0.9% QoQ
|
+8.0% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$18,975
+2.8% YoY+0.1% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
19.3%
+7.1% YoY+0.7% QoQ
|
-5.1% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
15.8%
-6.5% YoY-6.4% QoQ
|
+2.0% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)