BlastPoint's Credit Union Scorecard
TOBACCO VALLEY TEACHERS
Charter #1077 · CT
TOBACCO VALLEY TEACHERS has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.30% above tier average
- - Member decline: -4.1% YoY
- - Loan-to-Share Ratio: Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,226
-4.1% YoY-0.6% QoQ
|
+610 |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$67.8M
+2.2% YoY+1.9% QoQ
|
+$37.7M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Top 13.5% in tier |
| Loans |
$16.1M
-5.6% YoY-2.7% QoQ
|
+$335K |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$61.0M
+1.5% YoY+2.2% QoQ
|
+$35.3M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Top 11.7% in tier |
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| ROA |
0.9%
+29.6% YoY-13.5% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
2.9%
+13.1% YoY+1.8% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
76.5%
+1.6% YoY+6.8% QoQ
|
-6.1% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
1.9%
+64.5% YoY+237.3% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
26.4%
-7.0% YoY-4.7% QoQ
|
-34.2% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.4% in tier |
| AMR |
$23,887
+4.2% YoY+1.7% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
Top 10.4% in tier |
| CD Concentration |
17.5%
+2.2% YoY-5.7% QoQ
|
-7.0% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 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)