BlastPoint's Credit Union Scorecard
COFFEE COUNTY TEACHERS
Charter #16014 · GA
2556 CUs in <100M nationally
42 in GA
COFFEE COUNTY TEACHERS has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Net Interest Margin 2.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 10.86% above tier (higher cost structure)
- - Delinquency rate 1.25% above tier average
- - Member decline: -4.2% YoY
- - Loan Growth Rate: Bottom 4.7% in tier
- - AMR Growth Rate: Bottom 6.2% in tier
- - Average Member Relationship (AMR): Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
914
-4.2% YoY-1.0% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$3.1M
-3.4% YoY-3.5% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.0% in tier |
| Loans |
$1.9M
-21.7% YoY-3.5% QoQ
|
$-13.8M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$2.4M
-6.2% YoY-4.6% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.3% in tier |
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| ROA |
1.7%
+58.8% YoY-13.7% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 11.8% in tier |
| NIM |
6.6%
-17.7% YoY-2.4% QoQ
|
+2.6% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 2.0% in tier |
| Efficiency Ratio |
93.4%
+21.2% YoY+11.8% QoQ
|
+10.9% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
2.8%
+194.2% YoY+139.2% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Top 14.1% in tier |
| Loan To Share |
80.3%
-16.5% YoY+1.2% QoQ
|
+19.7% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$4,726
-10.1% YoY-3.2% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.2% in tier |
| CD Concentration |
2.9%
+43.7% YoY+5.9% QoQ
|
-21.5% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 50% |
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
50
Net Interest Margin (NIM)
profitability
Value:
6.59%
Peer Median: -
#50 of 2556
Top 1.9% in <100M tier
115
Net Charge-Off Rate
risk
Value:
-0.05%
Peer Median: -
#115 of 2556
Top 4.5% in <100M tier
302
Return on Assets (ROA)
profitability
Value:
1.69%
Peer Median: -
#302 of 2556
Top 11.8% in <100M tier
457
Net Worth Ratio
risk
Value:
21.44%
Peer Median: -
#457 of 2556
Top 17.8% in <100M tier
550
Loan-to-Share Ratio
balance_sheet
Value:
80.32%
Peer Median: -
#550 of 2556
Top 21.5% in <100M tier
Top Weaknesses (12 metrics)
2436
Loan Growth Rate
growth
Value:
-21.71%
Peer Median: -
#2436 of 2556
Bottom 4.7% in <100M tier
2399
AMR Growth Rate
growth
Value:
-10.05%
Peer Median: -
#2399 of 2556
Bottom 6.2% in <100M tier
2347
Average Member Relationship (AMR)
engagement
Value:
$4,726
Peer Median: -
#2347 of 2556
Bottom 8.2% in <100M tier
2224
Total Assets
balance_sheet
Value:
$3.06M
Peer Median: -
#2224 of 2556
Bottom 13.0% in <100M tier
2216
Total Deposits
balance_sheet
Value:
$2.40M
Peer Median: -
#2216 of 2556
Bottom 13.3% in <100M tier
2200
Deposit Growth Rate
growth
Value:
-6.24%
Peer Median: -
#2200 of 2556
Bottom 14.0% in <100M tier
2197
Total Delinquency Rate (60+ days)
risk
Value:
2.81%
Peer Median: -
#2197 of 2556
Bottom 14.1% in <100M tier
2195
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,105
Peer Median: -
#2195 of 2556
Bottom 14.2% in <100M tier
2123
Total Loans
balance_sheet
Value:
$1.92M
Peer Median: -
#2123 of 2556
Bottom 17.0% in <100M tier
2074
Efficiency Ratio
profitability
Value:
93.42%
Peer Median: -
#2074 of 2556
Bottom 18.9% in <100M tier