BlastPoint's Credit Union Scorecard
WALTON COUNTY TEACHERS
Charter #14186 · FL
WALTON COUNTY TEACHERS has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.97% above tier average
- + Net Interest Margin 0.08% above tier average
- + Fee Income Per Member: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,522
-2.2% YoY-0.6% QoQ
|
-93 |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$28.6M
+8.6% YoY+1.7% QoQ
|
$-1.5M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$13.6M
-3.1% YoY+1.4% QoQ
|
$-2.2M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$25.4M
+8.0% YoY+1.8% QoQ
|
$-258K |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
1.6%
+6.9% YoY-5.5% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Top 14.0% in tier |
| NIM |
4.0%
+0.2% YoY+0.4% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
71.3%
-3.2% YoY+1.1% QoQ
|
-11.3% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.0%
+302.6% YoY-27.8% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
53.5%
-10.3% YoY-0.4% QoQ
|
-7.1% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$15,479
+6.2% YoY+2.2% QoQ
|
+$696 |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
8.2%
+72.4% YoY+2.2% QoQ
|
-16.2% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 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)