BlastPoint's Credit Union Scorecard
TOBACCO VALLEY TEACHERS
Charter #1077 · CT
TOBACCO VALLEY TEACHERS has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 8.4% in tier
- + Total Deposits: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Member decline: -4.0% YoY
- - Loan-to-Share Ratio: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,194
-4.0% YoY-1.0% QoQ
|
+517 |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$71.3M
+3.3% YoY+5.1% QoQ
|
+$41.1M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Top 11.6% in tier |
| Loans |
$15.6M
-5.9% YoY-2.9% QoQ
|
+$348K |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$64.4M
+3.3% YoY+5.7% QoQ
|
+$38.7M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
Top 9.7% in tier |
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| ROA |
-0.2%
-113.3% YoY-126.1% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
2.9%
+4.3% YoY+1.3% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
84.4%
+29.4% YoY+10.3% QoQ
|
-6.3% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
0.6%
+23.6% YoY-70.3% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
24.3%
-8.9% YoY-8.2% QoQ
|
-34.3% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.8% in tier |
| AMR |
$25,071
+5.6% YoY+5.0% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 8.4% in tier |
| CD Concentration |
16.8%
+2.6% YoY-3.8% QoQ
|
-7.5% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 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)