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 3.0% in tier
- + Total Members: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency ratio 1.25% above tier (higher cost structure)
- - Delinquency rate 0.94% above tier average
- - Member decline: -6.0% YoY
- - Net Worth Ratio: Bottom 1.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,036
-6.0% YoY-0.3% QoQ
|
+5.4K |
2,676
+1.6% YoY
|
16,940
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 3.3% in tier |
| Assets |
$44.1M
-1.9% YoY+0.8% QoQ
|
+$13.9M |
$30.2M
+1.3% YoY
|
$214.1M
+16.8% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$20.5M
-1.8% YoY-4.3% QoQ
|
+$5.2M |
$15.3M
-2.0% YoY
|
$130.7M
+18.0% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$41.0M
-2.8% YoY+0.9% QoQ
|
+$15.2M |
$25.8M
+0.7% YoY
|
$190.3M
+16.8% YoY
|
$494.3M
+9.1% YoY
|
76% |
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| ROA |
-0.0%
-112.8% YoY-106.2% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
1.6%
+9.6% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
3.8%
+20.1% YoY+5.6% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.5%
+6.1% YoY
|
3.8%
+4.1% YoY
|
49% |
| Efficiency Ratio |
91.9%
-1.5% YoY+10.0% QoQ
|
+1.2% |
90.6%
+6.5% YoY
|
78.7%
-23.9% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
2.4%
+179.5% YoY-10.4% QoQ
|
+0.9 |
1.5%
+3.8% YoY
|
2.3%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 15.0% in tier |
| Loan To Share |
49.9%
+1.0% YoY-5.1% QoQ
|
-8.6% |
58.5%
-3.0% YoY
|
46.7%
+1.2% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$7,650
+3.8% YoY-0.5% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$14,274
+3.2% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
1.3%
+139.7% YoY+28.3% QoQ
|
-23.0% | 24.3% | 13.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 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)