BlastPoint's Credit Union Scorecard
NEW HAVEN TEACHERS
Charter #19 · CT
NEW HAVEN TEACHERS has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.99% 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 3.9% in tier
- + Net Worth Ratio: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
- - Loan-to-Share Ratio: Bottom 5.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,049
-3.8% YoY-1.3% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$9.9M
+3.4% YoY+0.0% QoQ
|
$-19.9M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$1.5M
-6.0% YoY+1.6% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.6% in tier |
| Deposits |
$6.7M
+2.5% YoY-0.5% QoQ
|
$-18.7M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
29% |
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| ROA |
1.7%
+3.8% YoY-8.9% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
3.1%
+0.3% YoY-4.1% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
45.3%
-4.0% YoY+6.8% QoQ
|
-36.1% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
22.0%
-8.2% YoY+2.1% QoQ
|
-39.3% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.2% in tier |
| AMR |
$7,828
+4.9% YoY+1.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% 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)