BlastPoint's Credit Union Scorecard
EDU
Charter #8609 · DE
EDU has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.8% in tier
- + Total Members: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Efficiency ratio 0.94% above tier (higher cost structure)
- - Delinquency rate 1.17% above tier average
- - Member decline: -5.7% YoY
- - Net Worth Ratio: Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,064
-5.7% YoY-5.1% QoQ
|
+5.4K |
2,615
-1.9% YoY
|
17,002
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 3.5% in tier |
| Assets |
$43.7M
-1.3% YoY-0.1% QoQ
|
+$13.6M |
$30.1M
+2.1% YoY
|
$210.6M
+17.0% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$21.4M
+2.9% YoY-0.1% QoQ
|
+$5.6M |
$15.8M
-1.3% YoY
|
$130.5M
+17.1% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$40.6M
-2.4% YoY-0.3% QoQ
|
+$15.0M |
$25.7M
+1.4% YoY
|
$186.4M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.6%
-235.1% YoY+3.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
2.3%
+136.3% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
3.6%
+25.0% YoY+3.3% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.4%
+5.3% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
83.5%
-19.4% YoY-1.3% QoQ
|
+0.9% |
82.6%
-2.3% YoY
|
76.4%
-7.9% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
2.7%
+132.8% YoY+117.0% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
1.8%
-3.1% YoY
|
1.3%
-2.1% YoY
|
Top 14.6% in tier |
| Loan To Share |
52.6%
+5.5% YoY+0.2% QoQ
|
-8.0% |
60.6%
-3.1% YoY
|
48.0%
+1.1% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$7,690
+5.4% YoY+5.2% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$14,177
+3.6% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
1.0%
+141.9% YoY+36.0% QoQ
|
-23.4% | 24.4% | 13.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.6% | 7.8% | 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)