BlastPoint's Credit Union Scorecard
SOUTHERN TEACHERS & PARENTS
Charter #2068 · LA
SOUTHERN TEACHERS & PARENTS has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + AMR Growth Rate: Top 5.6% in tier
- + Fee Income Per Member: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.04% below tier average
- - Efficiency ratio 6.85% above tier (higher cost structure)
- - Member decline: -11.2% YoY
- - Member Growth Rate: Bottom 4.5% in tier
- - Net Worth Ratio: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,830
-11.2% YoY-0.4% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$29.6M
+4.0% YoY+1.7% QoQ
|
$-569K |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$14.2M
-4.3% YoY-1.9% QoQ
|
$-1.5M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$26.8M
+3.6% YoY+1.9% QoQ
|
+$1.1M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
61% |
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 |
0.6%
+26.8% YoY-39.1% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
4.1%
+0.6% YoY+4.9% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
89.4%
+0.6% YoY+6.3% QoQ
|
+6.8% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.1%
-32.9% YoY+2.2% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
53.2%
-7.6% YoY-3.7% QoQ
|
-7.4% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$10,708
+13.4% YoY+0.9% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
13.0%
+20.2% YoY+1.7% QoQ
|
-11.5% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % |
5.0%
+10.2% QoQ
|
-8.8% | 13.8% | 5.0% | 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)