BlastPoint's Credit Union Scorecard
VICTORIA TEACHERS
Charter #10327 · TX
2596 CUs in <100M nationally
245 in TX
VICTORIA TEACHERS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.4% in tier
- + Member Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,366
+3.9% YoY+2.3% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$17.8M
-3.1% YoY-1.0% QoQ
|
$-12.1M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$5.9M
-3.6% YoY-4.7% QoQ
|
$-9.9M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$11.9M
-6.0% YoY-1.6% QoQ
|
$-13.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
40% |
| ROA |
0.9%
-41.2% YoY-4.5% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
58% |
| NIM |
4.2%
-7.5% YoY+0.0% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
76.3%
+26.2% YoY+1.7% QoQ
|
-5.1% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.0%
-97.2% YoY+721.5% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.7% in tier |
| Loan To Share |
49.3%
+2.5% YoY-3.1% QoQ
|
-11.9% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$12,976
-8.8% YoY-4.9% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
29.4%
+45.4% YoY-3.1% QoQ
|
+5.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
114
Net Worth Ratio
risk
Value:
33.03%
Peer Avg: 16.43%
#114 of 2596
Top 4.4% in <100M tier
232
Member Growth Rate
growth
Value:
3.88%
Peer Avg: 14.92%
#232 of 2596
Top 8.9% in <100M tier
382
Total Delinquency Rate (60+ days)
risk
Value:
0.03%
Peer Avg: 1.51%
#382 of 2596
Top 14.7% in <100M tier
Top Weaknesses (5 metrics)
2356
AMR Growth Rate
growth
Value:
-8.76%
Peer Avg: 4.67%
#2356 of 2596
Bottom 9.3% in <100M tier
2238
Net Charge-Off Rate
risk
Value:
1.02%
Peer Avg: 0.57%
#2238 of 2596
Bottom 13.8% in <100M tier
2220
Deposit Growth Rate
growth
Value:
-5.99%
Peer Avg: 16.80%
#2220 of 2596
Bottom 14.5% in <100M tier
2132
Share Certificate Concentration (%)
balance_sheet
Value:
29.45%
Peer Avg: 15.37%
#2132 of 2596
Bottom 17.9% in <100M tier
2046
Asset Growth Rate
growth
Value:
-3.07%
Peer Avg: 1.82%
#2046 of 2596
Bottom 21.2% in <100M tier