BlastPoint's Credit Union Scorecard
SOUTHERN TEACHERS & PARENTS
Charter #2068 · LA
SOUTHERN TEACHERS & PARENTS has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Fee Income Per Member: Top 3.5% in tier
- + AMR Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.75% above tier (higher cost structure)
- - Member decline: -10.8% YoY
- - Member Growth Rate: Bottom 5.0% in tier
- - Net Worth Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,845
-10.8% YoY-0.3% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$29.1M
-0.2% YoY-1.5% QoQ
|
$-762K |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$14.5M
-1.3% YoY-0.0% QoQ
|
$-1.3M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$26.3M
-0.1% YoY-1.9% QoQ
|
+$827K |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
61% |
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| ROA |
1.0%
+3044.4% YoY-24.7% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
3.9%
-0.3% YoY-2.1% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
84.1%
-6.1% YoY+4.6% QoQ
|
+2.7% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.1%
-43.7% YoY-19.8% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
55.2%
-1.2% YoY+1.9% QoQ
|
-6.0% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$10,610
+11.5% YoY-0.9% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
12.8%
+42.0% YoY+6.6% QoQ
|
-11.7% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
4.5%
+117.8% QoQ
|
-9.5% |
14.0%
-5.7% YoY
|
5.3%
+10.6% 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)