BlastPoint's Credit Union Scorecard
HARRISON TEACHERS
Charter #2806 · NY
HARRISON TEACHERS faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Efficiency ratio 116.62% above tier (higher cost structure)
- - Delinquency rate 3.22% above tier average
- - Net Interest Margin (NIM): Bottom 0.7% in tier
- - Total Loans: Bottom 5.5% in tier
- - Fee Income Per Member: Bottom 5.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.3% in tier
- - Total Members: Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
261
-1.5% YoY+0.4% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 6.5% in tier |
| Assets |
$1.3M
-2.4% YoY+16.8% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.8% in tier |
| Loans |
$316,663
+8.8% YoY-0.5% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.4% in tier |
| Deposits |
$1.1M
-4.7% YoY+20.3% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.5% in tier |
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| ROA |
-0.7%
-259.2% YoY-277.6% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.6% in tier |
| NIM |
0.7%
-70.9% YoY-77.2% QoQ
|
-3.3% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
207.3%
+158.1% YoY+140.6% QoQ
|
+116.6% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.6% in tier |
| Delinquency Rate |
4.7%
-0.9% YoY-26.7% QoQ
|
+3.2 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.3% in tier |
| Loan To Share |
28.3%
+14.2% YoY-17.3% QoQ
|
-30.2% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.0% in tier |
| AMR |
$5,495
-0.5% YoY+14.6% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)