BlastPoint's Credit Union Scorecard
VICTORIA TEACHERS
Charter #10327 · TX
VICTORIA TEACHERS shows strong momentum with 6 strengths and 5.2% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 0.14% above tier average
- + Strong member growth: 5.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.5% in tier
- + Member Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,386
+5.2% YoY+1.5% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$18.0M
+0.0% YoY+1.4% QoQ
|
$-12.1M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$5.9M
-3.4% YoY+1.3% QoQ
|
$-9.8M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$12.1M
-0.3% YoY+2.0% QoQ
|
$-13.6M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.8%
-51.2% YoY-14.0% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
4.1%
-11.9% YoY-1.5% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
78.2%
+32.0% YoY+2.5% QoQ
|
-4.4% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.5%
-45.8% YoY+1857.0% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
48.9%
-3.0% YoY-0.7% QoQ
|
-11.7% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$13,014
-6.2% YoY+0.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
29.4%
+44.5% YoY-0.2% QoQ
|
+5.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)