BlastPoint's Credit Union Scorecard
TRENTON TEACHERS
Charter #2932 · NJ
2556 CUs in <100M nationally
98 in NJ
TRENTON TEACHERS has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.18% above tier average
- + Net Interest Margin 0.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.32% above tier average
- - Member decline: -2.9% YoY
- - Loan-to-Share Ratio: Bottom 3.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.4% in tier
- - Total Loans: Bottom 4.8% in tier
- - Average Member Relationship (AMR): Bottom 9.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
402
-2.9% YoY-0.7% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 11.0% in tier |
| Assets |
$2.1M
+1.5% YoY+13.4% QoQ
|
$-28.0M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.1% in tier |
| Loans |
$276,190
-15.2% YoY-2.9% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.7% in tier |
| Deposits |
$1.7M
-0.2% YoY+16.5% QoQ
|
$-24.0M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.5% in tier |
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| ROA |
1.8%
-29.1% YoY-2.4% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 9.8% in tier |
| NIM |
4.8%
-15.4% YoY-3.8% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
63.7%
+12.3% YoY-0.7% QoQ
|
-18.8% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
3.9%
+29.8% YoY-1.5% QoQ
|
+2.3 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 9.1% in tier |
| Loan To Share |
16.1%
-15.0% YoY-16.7% QoQ
|
-44.5% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.9% in tier |
| AMR |
$4,957
+0.3% YoY+14.3% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
250
Return on Assets (ROA)
profitability
Value:
1.80%
Peer Median: -
#250 of 2556
Top 9.7% in <100M tier
418
Efficiency Ratio
profitability
Value:
63.72%
Peer Median: -
#418 of 2556
Top 16.3% in <100M tier
480
Net Interest Margin (NIM)
profitability
Value:
4.80%
Peer Median: -
#480 of 2556
Top 18.7% in <100M tier
614
Net Worth Ratio
risk
Value:
19.50%
Peer Median: -
#614 of 2556
Top 24.0% in <100M tier
Top Weaknesses (11 metrics)
2479
Loan-to-Share Ratio
balance_sheet
Value:
16.09%
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2444
Loan-to-Member Ratio (LMR)
engagement
Value:
$687.04
Peer Median: -
#2444 of 2556
Bottom 4.4% in <100M tier
2435
Total Loans
balance_sheet
Value:
$276,190
Peer Median: -
#2435 of 2556
Bottom 4.8% in <100M tier
2326
Average Member Relationship (AMR)
engagement
Value:
$4,957
Peer Median: -
#2326 of 2556
Bottom 9.0% in <100M tier
2324
Total Delinquency Rate (60+ days)
risk
Value:
3.88%
Peer Median: -
#2324 of 2556
Bottom 9.1% in <100M tier
2297
Loan Growth Rate
growth
Value:
-15.17%
Peer Median: -
#2297 of 2556
Bottom 10.2% in <100M tier
2297
Total Assets
balance_sheet
Value:
$2.14M
Peer Median: -
#2297 of 2556
Bottom 10.2% in <100M tier
2288
Total Deposits
balance_sheet
Value:
$1.72M
Peer Median: -
#2288 of 2556
Bottom 10.5% in <100M tier
2274
Total Members
engagement
Value:
402
Peer Median: -
#2274 of 2556
Bottom 11.1% in <100M tier
2223
Net Charge-Off Rate
risk
Value:
1.16%
Peer Median: -
#2223 of 2556
Bottom 13.1% in <100M tier