BlastPoint's Credit Union Scorecard
BRUNSWICK COUNTY TEACHERS
Charter #10636 · VA
BRUNSWICK COUNTY TEACHERS has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 5.95% above tier average
- + Loan-to-Share Ratio: Top 0.4% in tier
- + Net Worth Ratio: Top 1.8% in tier
- + Loan Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.26% below tier average
- - Efficiency ratio 13.33% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Total Deposits: Bottom 2.0% in tier
- - Total Assets: Bottom 2.7% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Net Charge-Off Rate: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 5.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits -8.0% year over year ($267K in shares and deposits).
- Membership: 272 members, -2.9% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 0.23%.
- Efficiency ratio 102.09% vs a 88.77% peer average.
- Loan-to-share ratio 126.34% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
272
-2.9% YoY+0.4% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Bottom 7.0% in tier |
| Assets |
$461,823
-4.7% YoY-1.5% QoQ
|
$-29.8M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.7% in tier |
| Loans |
$336,792
+10.9% YoY+14.7% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.6% in tier |
| Deposits |
$266,570
-8.0% YoY-2.8% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.0% in tier |
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| ROA |
0.2%
-211.8% YoY-120.3% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.3% in tier |
| NIM |
9.9%
+6.7% YoY-2.4% QoQ
|
+6.0% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
102.1%
+7.5% YoY-7.5% QoQ
|
+13.3% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate |
0.7%
-89.1% YoY-17.4% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
126.3%
+20.5% YoY+17.9% QoQ
|
+67.5% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
Top 0.5% in tier |
| AMR |
$2,218
+4.7% YoY+5.8% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.0% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 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)