BRUNSWICK COUNTY TEACHERS

Charter #10636 | VA

<100M (2596 CUs) Micro
49 <100M 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
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
 Bottom 21.7% in tier
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
 Top 17.6% in tier
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
 72nd in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

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)

Comparing against 2596 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
6
Net Interest Margin (NIM)
profitability
Value: 9.53%
Peer Avg: 3.93%
#6 of 2596 Top 0.2% in <100M tier
42
Loan-to-Share Ratio
balance_sheet
Value: 109.75%
Peer Avg: 61.23%
#42 of 2596 Top 1.6% in <100M tier
60
Net Worth Ratio
risk
Value: 40.48%
Peer Avg: 16.43%
#60 of 2596 Top 2.3% in <100M tier

Top Weaknesses (13 metrics)

2538
Total Deposits
balance_sheet
Value: $280,085
Peer Avg: $25.45M
#2538 of 2596 Bottom 2.3% in <100M tier
2518
Average Member Relationship (AMR)
engagement
Value: $2,106
Peer Avg: $14,627
#2518 of 2596 Bottom 3.0% in <100M tier
2516
Total Assets
balance_sheet
Value: $475,000
Peer Avg: $29.86M
#2516 of 2596 Bottom 3.1% in <100M tier
2460
Total Loans
balance_sheet
Value: $307,384
Peer Avg: $15.77M
#2460 of 2596 Bottom 5.3% in <100M tier
2449
Members Per Employee (MPE)
engagement
Value: 93.000
Peer Avg: 365.701
#2449 of 2596 Bottom 5.7% in <100M tier
2436
Net Charge-Off Rate
risk
Value: 1.90%
Peer Avg: 0.57%
#2436 of 2596 Bottom 6.2% in <100M tier
2432
Loan-to-Member Ratio (LMR)
engagement
Value: $1,102
Peer Avg: $5,488
#2432 of 2596 Bottom 6.4% in <100M tier
2403
Total Members
engagement
Value: 279
Peer Avg: 2,626
#2403 of 2596 Bottom 7.5% in <100M tier
2238
Deposit Growth Rate
growth
Value: -6.20%
Peer Avg: 16.80%
#2238 of 2596 Bottom 13.8% in <100M tier
2237
Member Growth Rate
growth
Value: -5.74%
Peer Avg: 14.92%
#2237 of 2596 Bottom 13.9% in <100M tier