COMMUNITY & TEACHERS
Charter #24730 | RI
<100M
(2596 CUs)
Micro
($0-$500M)
6 <100M in RI
COMMUNITY & TEACHERS has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.2% in tier
- + Average Member Relationship (AMR): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 3.65% above tier (higher cost structure)
- - Member decline: -4.0% YoY
- - First Mortgage Concentration (%): Bottom 1.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,620
-4.0% YoY-3.9% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
35,904
+9.4% YoY
|
33,089
+6.1% YoY
|
43rd in tier |
| Assets |
$30.9M
+5.6% YoY-1.5% QoQ
|
+$995K |
$29.9M
+1.1% YoY
|
$771.6M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
61st in tier |
| Loans |
$20.1M
-0.2% YoY+1.6% QoQ
|
+$4.3M |
$15.8M
-2.4% YoY
|
$651.4M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
70th in tier |
| Deposits |
$27.8M
+5.7% YoY-1.7% QoQ
|
+$2.3M |
$25.5M
+0.4% YoY
|
$641.8M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
62nd in tier |
| ROA |
0.6%
-20.4% YoY+2.0% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-21.3% YoY
|
0.7%
+273.4% YoY
|
40th in tier |
| NIM |
3.6%
-6.8% YoY+1.9% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
2.9%
+1.1% YoY
|
3.7%
+5.0% YoY
|
37th in tier |
| Efficiency Ratio |
85.0%
+3.6% YoY-0.0% QoQ
|
+3.6% |
81.4%
-2.4% YoY
|
83.0%
+4.4% YoY
|
79.1%
-3.3% YoY
|
67th in tier |
| Delinquency Rate |
1.3%
-19.3% YoY-60.6% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
0.5%
-36.2% YoY
|
1.2%
-0.9% YoY
|
69th in tier |
| Loan To Share |
72.3%
-5.6% YoY+3.4% QoQ
|
+11.1% |
61.2%
-3.0% YoY
|
78.6%
+0.3% YoY
|
68.0%
-1.7% YoY
|
66th in tier |
| AMR |
$29,563
+7.5% YoY+3.6% QoQ
|
+$15K |
$14,627
-2.7% YoY
|
$26,126
+7.2% YoY
|
$19,418
+1.3% YoY
|
Top 4.3% in tier |
| CD Concentration |
5.9%
+14.0% YoY+7.0% QoQ
|
-18.5% |
24.4%
+4.2% YoY
|
27.4%
+6.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.6%
+7.4% 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
110
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,405
Peer Avg: $5,488
#110 of 2596
Top 4.2% in <100M tier
112
Average Member Relationship (AMR)
engagement
Value:
$29,563
Peer Avg: $14,627
#112 of 2596
Top 4.3% in <100M tier
405
AMR Growth Rate
growth
Value:
7.49%
Peer Avg: 4.67%
#405 of 2596
Top 15.6% in <100M tier
540
Deposit Growth Rate
growth
Value:
5.75%
Peer Avg: 16.80%
#540 of 2596
Top 20.8% in <100M tier
578
Asset Growth Rate
growth
Value:
5.64%
Peer Avg: 1.82%
#578 of 2596
Top 22.2% in <100M tier
Top Weaknesses (3 metrics)
2557
First Mortgage Concentration (%)
balance_sheet
Value:
75.85%
Peer Avg: 14.49%
#2557 of 2596
Bottom 1.5% in <100M tier
2317
Members Per Employee (MPE)
engagement
Value:
162.000
Peer Avg: 365.701
#2317 of 2596
Bottom 10.8% in <100M tier
1998
Member Growth Rate
growth
Value:
-4.03%
Peer Avg: 14.92%
#1998 of 2596
Bottom 23.1% in <100M tier