BERRIEN TEACHERS
Charter #14011 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
BERRIEN TEACHERS has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.70% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.87% below tier average
- - Efficiency ratio 17.11% above tier (higher cost structure)
- - Member decline: -6.2% YoY
- - Loan Growth Rate: Bottom 6.0% in tier
- - Total Members: Bottom 6.5% in tier
- - Total Assets: Bottom 7.3% in tier
- - Total Deposits: Bottom 7.7% in tier
- - Members Per Employee (MPE): Bottom 7.9% in tier
- - Total Loans: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
255
-6.2% YoY-3.0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 6.5% in tier |
| Assets |
$1.3M
-2.4% YoY-0.6% QoQ
|
$-28.5M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.3% in tier |
| Loans |
$700,001
-20.3% YoY+6.1% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.4% in tier |
| Deposits |
$1.1M
-3.0% YoY-0.7% QoQ
|
$-24.4M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.6% in tier |
| ROA |
-0.2%
-133.4% YoY-159.6% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.5% in tier |
| NIM |
4.6%
-5.3% YoY-0.5% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 22.4% in tier |
| Efficiency Ratio |
98.5%
+11.0% YoY+16.1% QoQ
|
+17.1% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Top 12.2% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
64.2%
-17.9% YoY+6.9% QoQ
|
+2.9% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
54th in tier |
| AMR |
$7,022
-4.6% YoY+5.0% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
582
Net Interest Margin (NIM)
profitability
Value:
4.64%
Peer Avg: 3.93%
#582 of 2596
Top 22.4% in <100M tier
Top Weaknesses (14 metrics)
2440
Loan Growth Rate
growth
Value:
-20.29%
Peer Avg: 59.01%
#2440 of 2596
Bottom 6.0% in <100M tier
2427
Total Members
engagement
Value:
255
Peer Avg: 2,626
#2427 of 2596
Bottom 6.5% in <100M tier
2407
Total Assets
balance_sheet
Value:
$1.35M
Peer Avg: $29.86M
#2407 of 2596
Bottom 7.3% in <100M tier
2398
Total Deposits
balance_sheet
Value:
$1.09M
Peer Avg: $25.45M
#2398 of 2596
Bottom 7.7% in <100M tier
2391
Members Per Employee (MPE)
engagement
Value:
127.500
Peer Avg: 365.701
#2391 of 2596
Bottom 7.9% in <100M tier
2353
Total Loans
balance_sheet
Value:
$700,001
Peer Avg: $15.77M
#2353 of 2596
Bottom 9.4% in <100M tier
2288
Member Growth Rate
growth
Value:
-6.25%
Peer Avg: 14.92%
#2288 of 2596
Bottom 11.9% in <100M tier
2279
Efficiency Ratio
profitability
Value:
98.50%
Peer Avg: 81.39%
#2279 of 2596
Bottom 12.2% in <100M tier
2272
Return on Assets (ROA)
profitability
Value:
-0.19%
Peer Avg: 0.68%
#2272 of 2596
Bottom 12.5% in <100M tier
2208
Average Member Relationship (AMR)
engagement
Value:
$7,022
Peer Avg: $14,627
#2208 of 2596
Bottom 15.0% in <100M tier