BlastPoint's Credit Union Scorecard
VICTORIA TEACHERS
Charter #10327 · TX
VICTORIA TEACHERS shows strong momentum with 4 strengths and 5.2% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Strong member growth: 5.2% YoY
- + Net Worth Ratio: Top 4.4% in tier
- + Member Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,391
+5.2% YoY+0.4% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$18.1M
-0.5% YoY+0.8% QoQ
|
$-12.0M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$5.8M
-5.0% YoY-2.3% QoQ
|
$-9.5M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$12.2M
-2.0% YoY+0.8% QoQ
|
$-13.6M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
0.3%
-54.6% YoY-61.7% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
3.6%
-12.5% YoY-10.9% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
81.8%
+5.1% YoY+4.6% QoQ
|
-8.9% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.0%
-97.9% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 14.2% in tier |
| Loan To Share |
47.4%
-3.1% YoY-3.0% QoQ
|
-11.1% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$12,937
-7.8% YoY-0.6% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
30.4%
+34.9% YoY+3.3% QoQ
|
+6.1% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)