BlastPoint's Credit Union Scorecard
BRUNSWICK COUNTY TEACHERS
Charter #10636 · VA
2596 CUs in <100M nationally
49 in VA
BRUNSWICK COUNTY TEACHERS has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 5.60% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.6% in tier
- + Net Worth Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 12.51% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - Total Deposits: Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Total Assets: Bottom 3.1% in tier
- - Total Loans: Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 5.7% in tier
- - Net Charge-Off Rate: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.4% in tier
- - Total Members: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
279
-5.7% YoY-0.4% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 7.4% in tier |
| Assets |
$475,000
-4.1% YoY-2.0% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.1% in tier |
| Loans |
$307,384
-5.6% YoY+1.2% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.2% in tier |
| Deposits |
$280,085
-6.2% YoY-3.3% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.2% in tier |
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| ROA |
0.2%
-92.2% YoY-175.0% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
9.5%
-3.8% YoY+3.2% QoQ
|
+5.6% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
93.9%
+19.8% YoY-1.1% QoQ
|
+12.5% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
1.5%
-52.3% YoY-76.7% QoQ
|
-0.0 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
109.7%
+0.6% YoY+4.7% QoQ
|
+48.5% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Top 1.8% in tier |
| AMR |
$2,106
-0.2% YoY-0.6% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
6
Net Interest Margin (NIM)
profitability
Value:
9.53%
Peer Avg: -
#6 of 2596
Top 0.2% in <100M tier
42
Loan-to-Share Ratio
balance_sheet
Value:
109.75%
Peer Avg: -
#42 of 2596
Top 1.6% in <100M tier
60
Net Worth Ratio
risk
Value:
40.48%
Peer Avg: -
#60 of 2596
Top 2.3% in <100M tier
Top Weaknesses (13 metrics)
2538
Total Deposits
balance_sheet
Value:
$280,085
Peer Avg: -
#2538 of 2596
Bottom 2.3% in <100M tier
2518
Average Member Relationship (AMR)
engagement
Value:
$2,106
Peer Avg: -
#2518 of 2596
Bottom 3.0% in <100M tier
2516
Total Assets
balance_sheet
Value:
$475,000
Peer Avg: -
#2516 of 2596
Bottom 3.1% in <100M tier
2460
Total Loans
balance_sheet
Value:
$307,384
Peer Avg: -
#2460 of 2596
Bottom 5.3% in <100M tier
2449
Members Per Employee (MPE)
engagement
Value:
93.000
Peer Avg: -
#2449 of 2596
Bottom 5.7% in <100M tier
2436
Net Charge-Off Rate
risk
Value:
1.90%
Peer Avg: -
#2436 of 2596
Bottom 6.2% in <100M tier
2432
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,102
Peer Avg: -
#2432 of 2596
Bottom 6.4% in <100M tier
2403
Total Members
engagement
Value:
279
Peer Avg: -
#2403 of 2596
Bottom 7.5% in <100M tier
2238
Deposit Growth Rate
growth
Value:
-6.20%
Peer Avg: -
#2238 of 2596
Bottom 13.8% in <100M tier
2237
Member Growth Rate
growth
Value:
-5.74%
Peer Avg: -
#2237 of 2596
Bottom 13.9% in <100M tier