BlastPoint's Credit Union Scorecard
CLEVELAND-BRADLEY CTY TEACHER
Charter #14677 · TN
CLEVELAND-BRADLEY CTY TEACHER has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Strong member growth: 7.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 3.9% in tier
- + Asset Growth Rate: Top 4.5% in tier
- + Member Growth Rate: Top 4.6% in tier
- + Total Deposits: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,338
+7.6% YoY+0.5% QoQ
|
+1.7K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$73.5M
+13.0% YoY+2.0% QoQ
|
+$43.6M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Top 10.3% in tier |
| Loans |
$25.4M
-6.1% YoY-0.2% QoQ
|
+$9.6M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
77% |
| Deposits |
$64.0M
+14.6% YoY+2.0% QoQ
|
+$38.5M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 9.7% in tier |
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| ROA |
1.1%
-14.1% YoY-2.6% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
2.5%
-6.5% YoY-1.6% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio |
63.4%
+1.7% YoY+0.9% QoQ
|
-18.0% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.4%
+45.1% YoY-43.9% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
39.6%
-18.1% YoY-2.1% QoQ
|
-21.6% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$20,595
+0.2% YoY+0.8% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
27.3%
+39.6% YoY+1.4% QoQ
|
+2.9% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)