BlastPoint's Credit Union Scorecard
BRUNSWICK COUNTY TEACHERS
Charter #10636 · VA
<100M
2508 CUs in <100M nationally
48 in VA
BRUNSWICK COUNTY TEACHERS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 6.09% above tier average
- + Loan-to-Share Ratio: Top 1.7% in tier
- + Net Worth Ratio: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Efficiency ratio 19.68% above tier (higher cost structure)
- - Member decline: -3.6% YoY
- - Net Charge-Off Rate: Bottom 1.8% in tier
- - Total Deposits: Bottom 2.0% in tier
- - Total Assets: Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Total Loans: Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
271
-3.6% YoY-4.2% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Bottom 7.0% in tier |
| Assets |
$469,008
-6.5% YoY-2.4% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.0% in tier |
| Loans |
$293,748
+1.4% YoY-16.4% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.3% in tier |
| Deposits |
$274,220
-10.6% YoY-3.6% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.9% in tier |
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| ROA |
-1.1%
+28.9% YoY-622.5% QoQ
|
-1.3% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.6% in tier |
| NIM |
10.1%
+9.6% YoY+4.8% QoQ
|
+6.1% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
110.3%
+1.2% YoY+19.6% QoQ
|
+19.7% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
0.8%
-82.0% YoY-16.4% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
107.1%
+13.4% YoY-13.3% QoQ
|
+48.6% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Top 1.8% in tier |
| AMR |
$2,096
-1.3% YoY-6.7% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
8
Net Interest Margin (NIM)
profitability
Value:
10.09%
Peer Median: 3.83%
#8 of 2508
Top 0.3% in <100M tier
44
Loan-to-Share Ratio
balance_sheet
Value:
107.12%
Peer Median: 58.72%
#44 of 2508
Top 1.7% in <100M tier
52
Net Worth Ratio
risk
Value:
40.82%
Peer Median: 14.28%
#52 of 2508
Top 2.0% in <100M tier
Top Weaknesses (13 metrics)
2464
Net Charge-Off Rate
risk
Value:
6.99%
Peer Median: 0.07%
#2464 of 2508
Bottom 1.8% in <100M tier
2460
Total Deposits
balance_sheet
Value:
$274,220
Peer Median: $18.77M
#2460 of 2508
Bottom 2.0% in <100M tier
2434
Total Assets
balance_sheet
Value:
$469,008
Peer Median: $21.86M
#2434 of 2508
Bottom 3.0% in <100M tier
2433
Average Member Relationship (AMR)
engagement
Value:
$2,096
Peer Median: $13,926
#2433 of 2508
Bottom 3.0% in <100M tier
2375
Total Loans
balance_sheet
Value:
$293,748
Peer Median: $9.48M
#2375 of 2508
Bottom 5.3% in <100M tier
2371
Members Per Employee (MPE)
engagement
Value:
90.333
Peer Median: 333.750
#2371 of 2508
Bottom 5.5% in <100M tier
2358
Deposit Growth Rate
growth
Value:
-10.59%
Peer Median: 0.66%
#2358 of 2508
Bottom 6.0% in <100M tier
2354
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,084
Peer Median: $4,923
#2354 of 2508
Bottom 6.2% in <100M tier
2331
Total Members
engagement
Value:
271
Peer Median: 1,918
#2331 of 2508
Bottom 7.1% in <100M tier
2317
Return on Assets (ROA)
profitability
Value:
-1.12%
Peer Median: 0.61%
#2317 of 2508
Bottom 7.7% in <100M tier