BlastPoint's Credit Union Scorecard
HARRISON TEACHERS
Charter #2806 · NY
2596 CUs in <100M nationally
188 in NY
HARRISON TEACHERS has 3 strengths but faces 15 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
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 7.60% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Member decline: -4.8% YoY
- - Net Charge-Off Rate: Bottom 2.5% in tier
- - Deposit Growth Rate: Bottom 2.9% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 5.0% in tier
- - Total Assets: Bottom 5.2% in tier
- - Total Loans: Bottom 5.2% in tier
- - Total Deposits: Bottom 5.6% in tier
- - Average Member Relationship (AMR): Bottom 6.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
- - Total Members: Bottom 6.8% in tier
- - AMR Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
260
-4.8% YoY-1.1% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 6.7% in tier |
| Assets |
$932,892
-10.5% YoY-22.0% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.1% in tier |
| Loans |
$304,063
-7.4% YoY+3.0% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.2% in tier |
| Deposits |
$748,020
-15.1% YoY-26.1% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.6% in tier |
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| ROA |
0.3%
+386.1% YoY-91.1% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
2.7%
-4.0% YoY+19.0% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio |
89.0%
-9.0% YoY-1.7% QoQ
|
+7.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
1.6%
-66.3% YoY-64.7% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
40.6%
+9.0% YoY+39.3% QoQ
|
-20.6% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$4,046
-8.7% YoY-18.6% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
612
Net Worth Ratio
risk
Value:
19.46%
Peer Avg: -
#612 of 2596
Top 23.5% in <100M tier
Top Weaknesses (14 metrics)
2533
Net Charge-Off Rate
risk
Value:
3.52%
Peer Avg: -
#2533 of 2596
Bottom 2.5% in <100M tier
2521
Deposit Growth Rate
growth
Value:
-15.12%
Peer Avg: -
#2521 of 2596
Bottom 2.9% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2468
Asset Growth Rate
growth
Value:
-10.51%
Peer Avg: -
#2468 of 2596
Bottom 5.0% in <100M tier
2463
Total Assets
balance_sheet
Value:
$932,892
Peer Avg: -
#2463 of 2596
Bottom 5.2% in <100M tier
2462
Total Loans
balance_sheet
Value:
$304,063
Peer Avg: -
#2462 of 2596
Bottom 5.2% in <100M tier
2451
Total Deposits
balance_sheet
Value:
$748,020
Peer Avg: -
#2451 of 2596
Bottom 5.6% in <100M tier
2425
Average Member Relationship (AMR)
engagement
Value:
$4,046
Peer Avg: -
#2425 of 2596
Bottom 6.6% in <100M tier
2421
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,169
Peer Avg: -
#2421 of 2596
Bottom 6.8% in <100M tier
2420
Total Members
engagement
Value:
260
Peer Avg: -
#2420 of 2596
Bottom 6.8% in <100M tier