BlastPoint's Credit Union Scorecard
BERRIEN TEACHERS
Charter #14011 · GA
<100M
2508 CUs in <100M nationally
42 in GA
BERRIEN TEACHERS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.71% above tier average
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.95% above tier (higher cost structure)
- - Member decline: -3.0% YoY
- - Loan Growth Rate: Bottom 4.5% in tier
- - Total Members: Bottom 6.5% in tier
- - Total Assets: Bottom 7.0% in tier
- - Total Deposits: Bottom 7.1% in tier
- - AMR Growth Rate: Bottom 7.5% in tier
- - Members Per Employee (MPE): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
258
-3.0% YoY-21.8% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Bottom 6.4% in tier |
| Assets |
$1.3M
-3.9% YoY+1.3% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.9% in tier |
| Loans |
$557,115
-23.5% YoY-11.1% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.5% in tier |
| Deposits |
$1.1M
-5.3% YoY+1.1% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.1% in tier |
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| ROA |
0.3%
-141.4% YoY-5.0% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
4.7%
-2.7% YoY+0.8% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
94.6%
-2.8% YoY+12.4% QoQ
|
+4.0% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
77% |
| Delinquency Rate |
0.4%
-86.5% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
40% |
| Loan To Share |
52.7%
-19.2% YoY-12.1% QoQ
|
-5.8% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$6,254
-9.8% YoY+23.5% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 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: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
203
Net Charge-Off Rate
risk
Value:
-0.14%
Peer Median: 0.07%
#203 of 2508
Top 8.1% in <100M tier
433
Net Interest Margin (NIM)
profitability
Value:
4.72%
Peer Median: 3.83%
#433 of 2508
Top 17.2% in <100M tier
616
Net Worth Ratio
risk
Value:
19.32%
Peer Median: 14.28%
#616 of 2508
Top 24.5% in <100M tier
Top Weaknesses (13 metrics)
2397
Loan Growth Rate
growth
Value:
-23.50%
Peer Median: -2.36%
#2397 of 2508
Bottom 4.5% in <100M tier
2347
Total Members
engagement
Value:
258
Peer Median: 1,918
#2347 of 2508
Bottom 6.5% in <100M tier
2334
Total Assets
balance_sheet
Value:
$1.32M
Peer Median: $21.86M
#2334 of 2508
Bottom 7.0% in <100M tier
2331
Total Deposits
balance_sheet
Value:
$1.06M
Peer Median: $18.77M
#2331 of 2508
Bottom 7.1% in <100M tier
2321
AMR Growth Rate
growth
Value:
-9.76%
Peer Median: 1.27%
#2321 of 2508
Bottom 7.5% in <100M tier
2301
Members Per Employee (MPE)
engagement
Value:
129.000
Peer Median: 333.750
#2301 of 2508
Bottom 8.3% in <100M tier
2296
Total Loans
balance_sheet
Value:
$557,115
Peer Median: $9.48M
#2296 of 2508
Bottom 8.5% in <100M tier
2197
Average Member Relationship (AMR)
engagement
Value:
$6,254
Peer Median: $13,926
#2197 of 2508
Bottom 12.4% in <100M tier
2122
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,159
Peer Median: $4,923
#2122 of 2508
Bottom 15.4% in <100M tier
2082
Deposit Growth Rate
growth
Value:
-5.27%
Peer Median: 0.66%
#2082 of 2508
Bottom 17.0% in <100M tier