BlastPoint's Credit Union Scorecard
EDU
Charter #8609 · DE
EDU has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 1.8% in tier
- + Total Members: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Efficiency ratio 4.23% above tier (higher cost structure)
- - Delinquency rate 1.02% above tier average
- - Member decline: -5.4% YoY
- - Net Worth Ratio: Bottom 1.5% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 9 that size in Delaware.
- Shares and deposits -2.0% year over year ($41.2M in shares and deposits).
- Membership: 8,026 members, -5.4% vs a year ago.
- Delinquency rate 2.57%.
- Return on assets 0.05%.
- Efficiency ratio 92.99% vs a 88.77% peer average.
- Loan-to-share ratio 51.06% vs a 58.89% 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 (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,026
-5.4% YoY-0.1% QoQ
|
+5.4K |
2,585
-1.7% YoY
|
17,843
+5.5% YoY
|
34,678
+6.6% YoY
|
Top 3.3% in tier |
| Assets |
$44.2M
-3.6% YoY+0.3% QoQ
|
+$13.9M |
$30.3M
+1.5% YoY
|
$212.9M
+9.3% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$21.0M
-1.3% YoY+2.8% QoQ
|
+$5.6M |
$15.5M
-1.7% YoY
|
$132.7M
+10.6% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$41.2M
-2.0% YoY+0.4% QoQ
|
+$15.4M |
$25.8M
+1.1% YoY
|
$188.9M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
76% |
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 |
0.0%
-92.0% YoY
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
-28.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.5% in tier |
| NIM |
3.8%
+18.0% YoY+0.4% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.5%
+5.6% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
93.0%
+8.6% YoY+1.2% QoQ
|
+4.2% |
88.8%
-6.9% YoY
|
79.3%
-0.3% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
2.6%
+131.5% YoY+5.2% QoQ
|
+1.0 |
1.5%
+2.1% YoY
|
2.3%
-27.7% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
51.1%
+0.7% YoY+2.4% QoQ
|
-7.8% |
58.9%
-3.1% YoY
|
47.6%
-0.9% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$7,752
+3.8% YoY+1.3% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$14,118
+1.5% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
1.9%
+221.8% YoY+46.2% QoQ
|
-22.6% | 24.6% | 13.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)