BlastPoint's Credit Union Scorecard
EDU
Charter #8609 · DE
EDU has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 2.7% in tier
- + Members Per Employee (MPE): Top 3.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency ratio 3.24% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Net Worth Ratio: Bottom 1.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,501
-4.2% YoY+0.2% QoQ
|
+5.9K |
2,625
-2.2% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
Top 2.8% in tier |
| Assets |
$43.8M
-3.6% YoY-4.5% QoQ
|
+$13.9M |
$29.9M
+1.1% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$21.4M
+4.0% YoY+0.4% QoQ
|
+$5.6M |
$15.8M
-2.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$40.8M
-4.7% YoY-3.0% QoQ
|
+$15.3M |
$25.5M
+0.4% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.5%
-193.5% YoY-8.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.5%
+28.5% YoY+7.8% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
84.6%
-20.5% YoY-1.2% QoQ
|
+3.2% |
81.4%
-2.4% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.3%
+12.2% YoY+13.3% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
52.5%
+9.0% YoY+3.5% QoQ
|
-8.8% |
61.2%
-3.0% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$7,313
+2.5% YoY-2.1% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
0.8%
+121.6% YoY+26.2% QoQ
|
-23.7% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
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)