BlastPoint's Credit Union Scorecard
COFFEE COUNTY TEACHERS
Charter #16014 · GA
COFFEE COUNTY TEACHERS has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.27% above tier average
- + Net Interest Margin 2.82% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.16% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - Loan Growth Rate: Bottom 4.4% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
923
-4.9% YoY-1.4% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$3.2M
+0.4% YoY-0.4% QoQ
|
$-26.7M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.6% in tier |
| Loans |
$2.0M
-23.3% YoY-5.1% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$2.5M
-1.4% YoY-1.4% QoQ
|
$-22.9M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.0%
+61.6% YoY+46.3% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 9.7% in tier |
| NIM |
6.8%
-16.7% YoY+0.9% QoQ
|
+2.8% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
83.6%
+11.1% YoY+0.7% QoQ
|
+2.2% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.2%
+6234.3% YoY+1029.6% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
79.4%
-22.3% YoY-3.8% QoQ
|
+18.1% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$4,881
-7.9% YoY-1.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.9% in tier |
| CD Concentration |
2.7%
+36.3% YoY+4.0% QoQ
|
-21.7% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% 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)