BlastPoint's Credit Union Scorecard
COFFEE COUNTY TEACHERS
Charter #16014 · GA
COFFEE COUNTY TEACHERS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.45% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Efficiency ratio 15.25% above tier (higher cost structure)
- - Delinquency rate 1.51% above tier average
- - Member decline: -4.1% YoY
- - Deposit Growth Rate: Bottom 3.8% in tier
- - Asset Growth Rate: Bottom 4.6% in tier
- - AMR Growth Rate: Bottom 5.6% in tier
- - Net Charge-Off Rate: Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
901
-4.1% YoY-1.4% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$3.0M
-9.9% YoY-1.0% QoQ
|
$-27.2M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.8% in tier |
| Loans |
$1.8M
-17.8% YoY-5.6% QoQ
|
$-13.5M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$2.4M
-13.3% YoY-1.0% QoQ
|
$-23.4M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.8% in tier |
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| ROA |
-0.7%
-155.7% YoY-142.1% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.6% in tier |
| NIM |
5.5%
-20.2% YoY-17.2% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
105.9%
+34.6% YoY+13.3% QoQ
|
+15.3% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate |
3.0%
+1223.7% YoY+7.2% QoQ
|
+1.5 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.5% in tier |
| Loan To Share |
76.6%
-5.2% YoY-4.6% QoQ
|
+18.1% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$4,648
-11.6% YoY-1.6% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.1% in tier |
| CD Concentration |
2.9%
+55.8% YoY+2.0% QoQ
|
-21.3% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)