BlastPoint's Credit Union Scorecard
TRENTON TEACHERS
Charter #2932 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
TRENTON TEACHERS has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.49% above tier average
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 4.06% above tier average
- - Member decline: -2.9% YoY
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.5% in tier
- - Total Loans: Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.1% in tier
- - Loan Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
396
-2.9% YoY-1.5% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 10.8% in tier |
| Assets |
$2.4M
-0.1% YoY+10.4% QoQ
|
$-27.8M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.7% in tier |
| Loans |
$190,289
-17.7% YoY-31.1% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.1% in tier |
| Deposits |
$1.9M
-1.8% YoY+12.4% QoQ
|
$-23.9M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.2% in tier |
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| ROA |
1.6%
-31.7% YoY-9.1% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 12.2% in tier |
| NIM |
4.2%
-15.5% YoY-12.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
61.6%
+17.8% YoY-3.4% QoQ
|
-29.1% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 13.7% in tier |
| Delinquency Rate |
5.6%
+6.8% YoY+43.4% QoQ
|
+4.1 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.1% in tier |
| Loan To Share |
9.9%
-16.2% YoY-38.7% QoQ
|
-48.6% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.9% in tier |
| AMR |
$5,351
-0.5% YoY+7.9% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
307
Return on Assets (ROA)
profitability
Value:
1.64%
Peer Median: 0.61%
#307 of 2508
Top 12.2% in <100M tier
344
Efficiency Ratio
profitability
Value:
61.56%
Peer Median: 81.45%
#344 of 2508
Top 13.7% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (10 metrics)
2458
Loan-to-Share Ratio
balance_sheet
Value:
9.87%
Peer Median: 58.72%
#2458 of 2508
Bottom 2.0% in <100M tier
2421
Loan-to-Member Ratio (LMR)
engagement
Value:
$480.53
Peer Median: $4,923
#2421 of 2508
Bottom 3.5% in <100M tier
2404
Total Loans
balance_sheet
Value:
$190,289
Peer Median: $9.48M
#2404 of 2508
Bottom 4.2% in <100M tier
2381
Total Delinquency Rate (60+ days)
risk
Value:
5.57%
Peer Median: 0.65%
#2381 of 2508
Bottom 5.1% in <100M tier
2295
Loan Growth Rate
growth
Value:
-17.70%
Peer Median: -2.36%
#2295 of 2508
Bottom 8.5% in <100M tier
2255
Average Member Relationship (AMR)
engagement
Value:
$5,351
Peer Median: $13,926
#2255 of 2508
Bottom 10.1% in <100M tier
2240
Total Assets
balance_sheet
Value:
$2.36M
Peer Median: $21.86M
#2240 of 2508
Bottom 10.7% in <100M tier
2236
Total Members
engagement
Value:
396
Peer Median: 1,918
#2236 of 2508
Bottom 10.9% in <100M tier
2228
Total Deposits
balance_sheet
Value:
$1.93M
Peer Median: $18.77M
#2228 of 2508
Bottom 11.2% in <100M tier
2180
Fee Income Per Member
profitability
Value:
$3.56
Peer Median: $60.42
#2180 of 2508
Bottom 13.1% in <100M tier