BlastPoint's Credit Union Scorecard
HARRISON TEACHERS
Charter #2806 · NY
HARRISON TEACHERS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Delinquency rate 7.37% above tier average
- - Member decline: -3.0% YoY
- - Deposit Growth Rate: Bottom 1.9% in tier
- - Asset Growth Rate: Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- - Fee Income Per Member: Bottom 3.4% in tier
- - Total Assets: Bottom 5.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -19.0% year over year ($819K in shares and deposits).
- Membership: 255 members, -3.0% vs a year ago.
- Delinquency rate 8.92%.
- Return on assets 0.89%.
- Efficiency ratio 63.19% vs a 88.77% peer average.
- Loan-to-share ratio 35.41% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
255
-3.0% YoY-2.3% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 6.5% in tier |
| Assets |
$1.0M
-15.7% YoY-22.7% QoQ
|
$-29.3M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.2% in tier |
| Loans |
$290,171
-1.7% YoY-8.4% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.3% in tier |
| Deposits |
$819,385
-19.0% YoY-26.7% QoQ
|
$-25.0M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.6% in tier |
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| ROA |
0.9%
-73.5% YoY-224.8% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
55% |
| NIM |
2.4%
+6.3% YoY+265.1% QoQ
|
-1.5% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio |
63.2%
-30.2% YoY-69.5% QoQ
|
-25.6% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
15% |
| Delinquency Rate |
8.9%
+99.2% YoY+89.0% QoQ
|
+7.4 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.5% in tier |
| Loan To Share |
35.4%
+21.3% YoY+25.0% QoQ
|
-23.5% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$4,351
-12.4% YoY-20.8% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.1% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)