BlastPoint's Credit Union Scorecard
COMMUNITY & TEACHERS
Charter #24730 · RI
COMMUNITY & TEACHERS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.8% in tier
- + Average Member Relationship (AMR): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.4% YoY
- - First Mortgage Concentration (%): Bottom 1.9% in tier
- - Member Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,541
-7.4% YoY-2.7% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
36,204
+9.0% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$30.8M
+0.5% YoY+0.5% QoQ
|
+$624K |
$30.2M
+1.3% YoY
|
$787.6M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$19.5M
-2.3% YoY-2.9% QoQ
|
+$4.2M |
$15.3M
-2.0% YoY
|
$657.2M
+10.2% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$27.7M
+0.0% YoY+0.4% QoQ
|
+$1.9M |
$25.8M
+0.7% YoY
|
$658.7M
+12.2% YoY
|
$494.3M
+9.1% YoY
|
62% |
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| ROA |
0.6%
+53.5% YoY+22.8% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.4%
+126.0% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
3.5%
-1.1% YoY-5.8% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.0%
+2.3% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
83.0%
-6.8% YoY-4.6% QoQ
|
-7.6% |
90.6%
+6.5% YoY
|
87.4%
-0.7% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
0.9%
-30.2% YoY+691.9% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
0.4%
-7.6% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
70.3%
-2.3% YoY-3.3% QoQ
|
+11.8% |
58.5%
-3.0% YoY
|
77.1%
+1.0% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$30,600
+7.0% YoY+1.8% QoQ
|
+$16K |
$14,884
-1.7% YoY
|
$26,738
+8.0% YoY
|
$19,920
+1.6% YoY
|
Top 3.9% in tier |
| CD Concentration |
4.7%
-12.0% YoY-25.7% QoQ
|
-19.5% | 24.3% | 27.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.6% | 7.7% | 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)