BlastPoint's Credit Union Scorecard
NEW HAVEN TEACHERS
Charter #19 · CT
NEW HAVEN TEACHERS has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.2% in tier
- + Net Worth Ratio: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.3% in tier
- - Loan-to-Share Ratio: Bottom 5.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,094
0% YoY+4.3% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$10.2M
+6.0% YoY+2.4% QoQ
|
$-20.0M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$1.4M
-7.7% YoY-3.8% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.1% in tier |
| Deposits |
$6.9M
+6.4% YoY+3.0% QoQ
|
$-18.8M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
1.6%
-4.7% YoY-4.6% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Top 13.8% in tier |
| NIM |
3.0%
-5.4% YoY-2.3% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
46.6%
-0.8% YoY+2.8% QoQ
|
-36.0% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
20.5%
-13.2% YoY-6.6% QoQ
|
-40.1% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.9% in tier |
| AMR |
$7,640
+3.7% YoY-2.4% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 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)