BlastPoint's Credit Union Scorecard
YONKERS TEACHERS
Charter #2819 · NY
YONKERS TEACHERS has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Efficiency ratio 0.82% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 1.1% in tier
- - Net Interest Margin (NIM): Bottom 1.9% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,602
-1.1% YoY+0.3% QoQ
|
-13 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$56.5M
-4.1% YoY-0.7% QoQ
|
+$26.3M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$2.9M
-8.7% YoY-5.5% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$47.8M
-5.1% YoY-0.9% QoQ
|
+$22.1M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
0.3%
-10.4% YoY-13.6% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
1.6%
+4.5% YoY+2.2% QoQ
|
-2.4% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.8% in tier |
| Efficiency Ratio |
83.4%
+3.5% YoY+3.8% QoQ
|
+0.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.7%
+21.4% YoY-0.8% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
6.1%
-3.9% YoY-4.7% QoQ
|
-54.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.0% in tier |
| AMR |
$19,484
-4.3% YoY-1.5% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)