BlastPoint's Credit Union Scorecard
COMMUNITY & TEACHERS
Charter #24730 · 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
|
43% |
| 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
|
61% |
| 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
|
70% |
| 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
|
62% |
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| 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
|
40% |
| 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
|
37% |
| 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
|
67% |
| 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
|
69% |
| 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
|
66% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.6%
+7.4% 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)