BlastPoint's Credit Union Scorecard
COLQUITT COUNTY TEACHER
Charter #11996 · GA
COLQUITT COUNTY TEACHER has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.26% above tier average
- + Net Interest Margin 1.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,744
-4.4% YoY-5.0% QoQ
|
-871 |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$9.7M
+2.2% YoY-1.7% QoQ
|
$-20.5M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$6.1M
-6.0% YoY-5.4% QoQ
|
$-9.6M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$7.3M
+0.7% YoY-2.9% QoQ
|
$-18.4M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
1.9%
-4.2% YoY+0.8% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 8.5% in tier |
| NIM |
5.3%
+1.0% YoY-0.1% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
66.0%
+6.2% YoY+1.0% QoQ
|
-16.6% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.1%
+85.3% YoY+56.0% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
83.6%
-6.6% YoY-2.6% QoQ
|
+22.9% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$7,702
+2.0% YoY+0.9% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
35.5%
+2.5% YoY+6.4% QoQ
|
+11.1% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 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)