BlastPoint's Credit Union Scorecard
HARRISON TEACHERS
Charter #2806 · NY
2556 CUs in <100M nationally
183 in NY
HARRISON TEACHERS has 4 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 3.58% above tier (higher cost structure)
- - Delinquency rate 4.88% above tier average
- - Member decline: -3.7% YoY
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 4.4% in tier
- - Total Loans: Bottom 5.3% in tier
- - Total Assets: Bottom 6.2% in tier
- - Asset Growth Rate: Bottom 6.4% in tier
- - Total Members: Bottom 6.6% in tier
- - Total Deposits: Bottom 6.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
260
-3.7% YoY0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 6.5% in tier |
| Assets |
$1.1M
-8.6% YoY+19.6% QoQ
|
$-29.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.2% in tier |
| Loans |
$318,174
+1.1% YoY+4.6% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.2% in tier |
| Deposits |
$928,825
-12.4% YoY+24.2% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.6% in tier |
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| ROA |
0.4%
-249.9% YoY+34.9% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
2.9%
+4.3% YoY+7.1% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
86.1%
-21.4% YoY-3.2% QoQ
|
+3.6% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
6.4%
+38.4% YoY+307.1% QoQ
|
+4.9 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 4.3% in tier |
| Loan To Share |
34.3%
+15.4% YoY-15.7% QoQ
|
-26.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.8% in tier |
| AMR |
$4,796
-5.8% YoY+18.5% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (13 metrics)
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2448
Total Delinquency Rate (60+ days)
risk
Value:
6.44%
Peer Median: -
#2448 of 2556
Bottom 4.3% in <100M tier
2445
Deposit Growth Rate
growth
Value:
-12.39%
Peer Median: -
#2445 of 2556
Bottom 4.4% in <100M tier
2422
Total Loans
balance_sheet
Value:
$318,174
Peer Median: -
#2422 of 2556
Bottom 5.3% in <100M tier
2398
Total Assets
balance_sheet
Value:
$1.12M
Peer Median: -
#2398 of 2556
Bottom 6.2% in <100M tier
2394
Asset Growth Rate
growth
Value:
-8.62%
Peer Median: -
#2394 of 2556
Bottom 6.4% in <100M tier
2388
Total Members
engagement
Value:
260
Peer Median: -
#2388 of 2556
Bottom 6.6% in <100M tier
2387
Total Deposits
balance_sheet
Value:
$928,825
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2383
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,224
Peer Median: -
#2383 of 2556
Bottom 6.8% in <100M tier
2338
Average Member Relationship (AMR)
engagement
Value:
$4,796
Peer Median: -
#2338 of 2556
Bottom 8.6% in <100M tier