BlastPoint's Credit Union Scorecard
BERRIEN TEACHERS
Charter #14011 · GA
BERRIEN TEACHERS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.62% above tier average
- + Strong member growth: 23.6% YoY
- + Member Growth Rate: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.08% below tier average
- - Efficiency ratio 2.64% above tier (higher cost structure)
- - Delinquency rate 5.97% above tier average
- - AMR Growth Rate: Bottom 1.1% in tier
- - Loan Growth Rate: Bottom 2.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.5% in tier
- - Total Assets: Bottom 6.9% in tier
- - Total Deposits: Bottom 7.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits +0.1% year over year ($1.1M in shares and deposits).
- Membership: 325 members, +23.6% vs a year ago.
- Delinquency rate 7.51%.
- Return on assets 0.41%.
- Efficiency ratio 91.40% vs a 88.77% peer average.
- Loan-to-share ratio 42.17% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
325
+23.6% YoY+26.0% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Bottom 8.4% in tier |
| Assets |
$1.4M
+0.8% YoY+3.7% QoQ
|
$-28.9M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.8% in tier |
| Loans |
$463,877
-29.7% YoY-16.7% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.2% in tier |
| Deposits |
$1.1M
+0.1% YoY+4.1% QoQ
|
$-24.7M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.2% in tier |
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| ROA |
0.4%
+28.9% YoY+51.5% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
4.5%
-3.1% YoY-4.2% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
91.4%
+7.7% YoY-3.4% QoQ
|
+2.6% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
7.5%
+77.9% YoY+1651.3% QoQ
|
+6.0 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.5% in tier |
| Loan To Share |
42.2%
-29.8% YoY-20.0% QoQ
|
-16.7% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
25% |
| AMR |
$4,812
-28.0% YoY-23.1% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.5% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 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)