BILOXI TEACHERS
Charter #16699 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in MS
BILOXI TEACHERS has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 2.1% in tier
- + Asset Growth Rate: Top 4.0% in tier
- + Deposit Growth Rate: Top 4.4% in tier
- + Efficiency Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -13.0% YoY
- - Member Growth Rate: Bottom 3.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,074
-13.0% YoY-3.6% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
30th in tier |
| Assets |
$11.5M
+13.6% YoY+3.3% QoQ
|
$-18.4M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
35th in tier |
| Loans |
$4.1M
-10.5% YoY-4.6% QoQ
|
$-11.7M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$10.1M
+13.8% YoY+3.2% QoQ
|
$-15.3M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
37th in tier |
| ROA |
1.4%
+207.6% YoY+11.2% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Top 22.5% in tier |
| NIM |
2.8%
+22.7% YoY+2.4% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.0% in tier |
| Efficiency Ratio |
53.5%
-30.5% YoY-5.5% QoQ
|
-27.9% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate |
0.2%
-88.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
25th in tier |
| Loan To Share |
40.6%
-21.4% YoY-7.6% QoQ
|
-20.6% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 19.9% in tier |
| AMR |
$13,240
+21.2% YoY+4.6% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
47th in tier |
| CD Concentration |
23.7%
+66.3% YoY+7.0% QoQ
|
-0.8% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
56
AMR Growth Rate
growth
Value:
21.21%
Peer Avg: 4.67%
#56 of 2596
Top 2.1% in <100M tier
106
Asset Growth Rate
growth
Value:
13.57%
Peer Avg: 1.82%
#106 of 2596
Top 4.0% in <100M tier
114
Deposit Growth Rate
growth
Value:
13.78%
Peer Avg: 16.80%
#114 of 2596
Top 4.4% in <100M tier
212
Efficiency Ratio
profitability
Value:
53.52%
Peer Avg: 81.39%
#212 of 2596
Top 8.1% in <100M tier
584
Return on Assets (ROA)
profitability
Value:
1.41%
Peer Avg: 0.68%
#584 of 2596
Top 22.5% in <100M tier
Top Weaknesses (5 metrics)
2498
Member Growth Rate
growth
Value:
-12.97%
Peer Avg: 14.92%
#2498 of 2596
Bottom 3.8% in <100M tier
2259
Net Interest Margin (NIM)
profitability
Value:
2.80%
Peer Avg: 3.93%
#2259 of 2596
Bottom 13.0% in <100M tier
2086
Loan Growth Rate
growth
Value:
-10.54%
Peer Avg: 59.01%
#2086 of 2596
Bottom 19.7% in <100M tier
2076
Loan-to-Share Ratio
balance_sheet
Value:
40.61%
Peer Avg: 61.23%
#2076 of 2596
Bottom 20.1% in <100M tier
2024
Fee Income Per Member
profitability
Value:
$13.84
Peer Avg: $182.96
#2024 of 2596
Bottom 22.1% in <100M tier