BlastPoint's Credit Union Scorecard
TRENTON TEACHERS
Charter #2932 · NJ
2596 CUs in <100M nationally
101 in NJ
TRENTON TEACHERS has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Net Interest Margin 1.05% above tier average
- + 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
- - Delinquency rate 2.43% above tier average
- - Member decline: -2.2% YoY
- - Loan-to-Share Ratio: Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.7% in tier
- - Total Loans: Bottom 5.1% in tier
- - Net Charge-Off Rate: Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 7.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.5% in tier
- - Total Assets: Bottom 9.3% in tier
- - Total Deposits: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
405
-2.2% YoY-0.2% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 11.3% in tier |
| Assets |
$1.9M
+4.1% YoY-1.9% QoQ
|
$-28.0M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.2% in tier |
| Loans |
$284,350
-10.6% YoY+124.6% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.0% in tier |
| Deposits |
$1.5M
+2.4% YoY-2.8% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.8%
-26.8% YoY+2.2% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Top 12.0% in tier |
| NIM |
5.0%
-14.5% YoY+10.5% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 14.4% in tier |
| Efficiency Ratio |
64.1%
+10.5% YoY+4.9% QoQ
|
-17.2% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
3.9%
+61.5% YoY-60.1% QoQ
|
+2.4 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 8.5% in tier |
| Loan To Share |
19.3%
-12.7% YoY+131.0% QoQ
|
-41.9% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.2% in tier |
| AMR |
$4,339
+2.3% YoY+7.3% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% 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 (7 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
311
Return on Assets (ROA)
profitability
Value:
1.85%
Peer Avg: -
#311 of 2596
Top 11.9% in <100M tier
375
Net Interest Margin (NIM)
profitability
Value:
4.99%
Peer Avg: -
#375 of 2596
Top 14.4% in <100M tier
454
Net Worth Ratio
risk
Value:
21.59%
Peer Avg: -
#454 of 2596
Top 17.4% in <100M tier
520
Efficiency Ratio
profitability
Value:
64.14%
Peer Avg: -
#520 of 2596
Top 20.0% in <100M tier
Top Weaknesses (11 metrics)
2482
Loan-to-Share Ratio
balance_sheet
Value:
19.31%
Peer Avg: -
#2482 of 2596
Bottom 4.4% in <100M tier
2475
Loan-to-Member Ratio (LMR)
engagement
Value:
$702.10
Peer Avg: -
#2475 of 2596
Bottom 4.7% in <100M tier
2465
Total Loans
balance_sheet
Value:
$284,350
Peer Avg: -
#2465 of 2596
Bottom 5.1% in <100M tier
2412
Net Charge-Off Rate
risk
Value:
1.72%
Peer Avg: -
#2412 of 2596
Bottom 7.1% in <100M tier
2409
Average Member Relationship (AMR)
engagement
Value:
$4,339
Peer Avg: -
#2409 of 2596
Bottom 7.2% in <100M tier
2376
Total Delinquency Rate (60+ days)
risk
Value:
3.94%
Peer Avg: -
#2376 of 2596
Bottom 8.5% in <100M tier
2356
Total Assets
balance_sheet
Value:
$1.89M
Peer Avg: -
#2356 of 2596
Bottom 9.3% in <100M tier
2354
Total Deposits
balance_sheet
Value:
$1.47M
Peer Avg: -
#2354 of 2596
Bottom 9.4% in <100M tier
2302
Total Members
engagement
Value:
405
Peer Avg: -
#2302 of 2596
Bottom 11.4% in <100M tier
2159
Fee Income Per Member
profitability
Value:
$7.68
Peer Avg: -
#2159 of 2596
Bottom 16.9% in <100M tier