BlastPoint's Credit Union Scorecard
BRUNSWICK COUNTY TEACHERS
Charter #10636 · VA
BRUNSWICK COUNTY TEACHERS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 5.68% above tier average
- + Loan-to-Share Ratio: Top 0.6% in tier
- + Net Worth Ratio: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 9.66% above tier (higher cost structure)
- - Total Deposits: Bottom 2.2% in tier
- - Total Assets: Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 3.1% in tier
- - Members Per Employee (MPE): Bottom 5.7% in tier
- - Total Loans: Bottom 5.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
283
+0.4% YoY+1.4% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 7.4% in tier |
| Assets |
$480,306
-1.1% YoY+1.1% QoQ
|
$-29.7M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.9% in tier |
| Loans |
$351,399
+6.8% YoY+14.3% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.7% in tier |
| Deposits |
$284,452
-2.0% YoY+1.6% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.2% in tier |
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| ROA |
0.2%
-87.7% YoY+40.3% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
9.6%
-4.6% YoY+1.1% QoQ
|
+5.7% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
92.2%
+17.5% YoY-1.8% QoQ
|
+9.7% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.0%
-68.2% YoY-31.9% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
123.5%
+9.0% YoY+12.6% QoQ
|
+62.9% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Top 0.7% in tier |
| AMR |
$2,247
+2.3% YoY+6.7% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 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)