BlastPoint's Credit Union Scorecard
BUTLER COUNTY TEACHERS
Charter #3085 · PA
BUTLER COUNTY TEACHERS has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.01% above tier average
- + Efficiency Ratio: Top 0.6% in tier
- + Members Per Employee (MPE): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.92% above tier average
- - Member decline: -3.6% YoY
- - Fee Income Per Member: Bottom 5.3% in tier
- - Loan Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,781
-3.6% YoY-0.8% QoQ
|
-895 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$28.7M
+1.3% YoY+1.4% QoQ
|
$-1.5M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$7.8M
-19.8% YoY-5.7% QoQ
|
$-7.5M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
45% |
| Deposits |
$24.6M
-2.2% YoY+0.2% QoQ
|
$-1.2M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
58% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.2%
+11.4% YoY-2.9% QoQ
|
+2.0% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 4.9% in tier |
| NIM |
3.2%
-3.4% YoY-7.0% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
23% |
| Efficiency Ratio |
24.6%
-27.1% YoY-21.4% QoQ
|
-66.0% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
2.4%
+241.4% YoY+11.7% QoQ
|
+0.9 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 15.0% in tier |
| Loan To Share |
31.6%
-18.1% YoY-5.9% QoQ
|
-26.9% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.8% in tier |
| AMR |
$18,160
-3.6% YoY-0.5% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
7.7%
+10.3% YoY-0.4% QoQ
|
-16.6% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)