BlastPoint's Credit Union Scorecard
BERRIEN TEACHERS
Charter #14011 · GA
2556 CUs in <100M nationally
42 in GA
BERRIEN TEACHERS has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.73% above tier average
- + Strong member growth: 23.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Efficiency ratio 1.62% above tier (higher cost structure)
- - Delinquency rate 1.63% above tier average
- - AMR Growth Rate: Bottom 1.1% in tier
- - Loan Growth Rate: Bottom 5.9% in tier
- - Total Assets: Bottom 7.0% in tier
- - Total Deposits: Bottom 7.3% in tier
- - Total Loans: Bottom 8.7% in tier
- - Total Members: Bottom 8.7% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
330
+23.6% YoY+29.4% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 8.6% in tier |
| Assets |
$1.3M
-1.7% YoY-3.5% QoQ
|
$-28.8M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.9% in tier |
| Loans |
$626,670
-19.7% YoY-10.5% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.6% in tier |
| Deposits |
$1.0M
-2.0% YoY-4.2% QoQ
|
$-24.6M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.3% in tier |
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| ROA |
0.3%
-32.9% YoY-250.3% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
4.7%
-2.1% YoY+0.9% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
84.2%
-7.9% YoY-14.5% QoQ
|
+1.6% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
3.2%
+111.7% YoY
|
+1.6 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Top 12.1% in tier |
| Loan To Share |
60.0%
-18.1% YoY-6.6% QoQ
|
-0.6% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$5,066
-26.8% YoY-27.9% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
36
Member Growth Rate
growth
Value:
23.60%
Peer Median: -
#36 of 2556
Top 1.4% in <100M tier
548
Net Interest Margin (NIM)
profitability
Value:
4.68%
Peer Median: -
#548 of 2556
Top 21.4% in <100M tier
637
Net Worth Ratio
risk
Value:
19.27%
Peer Median: -
#637 of 2556
Top 24.9% in <100M tier
Top Weaknesses (11 metrics)
2528
AMR Growth Rate
growth
Value:
-26.78%
Peer Median: -
#2528 of 2556
Bottom 1.1% in <100M tier
2406
Loan Growth Rate
growth
Value:
-19.73%
Peer Median: -
#2406 of 2556
Bottom 5.9% in <100M tier
2379
Total Assets
balance_sheet
Value:
$1.30M
Peer Median: -
#2379 of 2556
Bottom 7.0% in <100M tier
2370
Total Deposits
balance_sheet
Value:
$1.05M
Peer Median: -
#2370 of 2556
Bottom 7.3% in <100M tier
2335
Total Loans
balance_sheet
Value:
$626,670
Peer Median: -
#2335 of 2556
Bottom 8.7% in <100M tier
2334
Total Members
engagement
Value:
330
Peer Median: -
#2334 of 2556
Bottom 8.7% in <100M tier
2314
Average Member Relationship (AMR)
engagement
Value:
$5,066
Peer Median: -
#2314 of 2556
Bottom 9.5% in <100M tier
2270
Members Per Employee (MPE)
engagement
Value:
165.000
Peer Median: -
#2270 of 2556
Bottom 11.2% in <100M tier
2249
Total Delinquency Rate (60+ days)
risk
Value:
3.18%
Peer Median: -
#2249 of 2556
Bottom 12.1% in <100M tier
2249
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,899
Peer Median: -
#2249 of 2556
Bottom 12.1% in <100M tier