BlastPoint's Credit Union Scorecard
CLEVELAND-BRADLEY CTY TEACHER
Charter #14677 · TN
CLEVELAND-BRADLEY CTY TEACHER has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 7.9% in tier
- + Asset Growth Rate: Top 8.5% in tier
- + Total Deposits: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,339
+0.8% YoY+0.0% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$73.9M
+10.3% YoY+0.6% QoQ
|
+$43.7M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 10.4% in tier |
| Loans |
$24.7M
-6.3% YoY-2.6% QoQ
|
+$8.9M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$64.1M
+11.1% YoY+0.2% QoQ
|
+$38.4M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 9.9% in tier |
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| ROA |
0.7%
-9.7% YoY-32.3% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
2.2%
-0.8% YoY-13.2% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio |
71.6%
+0.1% YoY+13.0% QoQ
|
-10.9% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.7%
+67.1% YoY+65.6% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
38.5%
-15.7% YoY-2.7% QoQ
|
-22.1% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$20,465
+4.8% YoY-0.6% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
26.2%
+23.2% YoY-4.1% QoQ
|
+1.7% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 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)