BlastPoint's Credit Union Scorecard
BUTLER COUNTY TEACHERS
Charter #3085 · PA
BUTLER COUNTY TEACHERS has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.60% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.62% above tier average
- - Member decline: -2.6% YoY
- - Loan Growth Rate: Bottom 5.7% in tier
- - Fee Income Per Member: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,795
-2.6% YoY-0.6% QoQ
|
-820 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$28.3M
-0.2% YoY-0.0% QoQ
|
$-1.8M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$8.2M
-19.9% YoY-7.2% QoQ
|
$-7.5M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$24.5M
-2.3% YoY-0.8% QoQ
|
$-1.2M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
2.2%
+23.4% YoY+1.1% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 4.7% in tier |
| NIM |
3.4%
+12.1% YoY-0.3% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
31.3%
-12.5% YoY-4.3% QoQ
|
-51.3% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate |
2.2%
+83.4% YoY+115.0% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
33.6%
-18.1% YoY-6.5% QoQ
|
-27.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.1% in tier |
| AMR |
$18,254
-5.0% YoY-1.9% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
7.7%
-2.1% YoY+2.6% QoQ
|
-16.7% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 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)