BlastPoint's Credit Union Scorecard
LONG BEACH TEACHERS
Charter #3256 · NY
2556 CUs in <100M nationally
183 in NY
LONG BEACH TEACHERS has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.16% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + 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 0.46% below tier average
- - Member decline: -4.3% YoY
- - Fee Income Per Member: Bottom 3.3% in tier
- - Net Charge-Off Rate: Bottom 3.4% in tier
- - Deposit Growth Rate: Bottom 5.2% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
- - Loan Growth Rate: Bottom 7.4% in tier
- - Total Members: Bottom 9.7% in tier
- - Total Loans: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
357
-4.3% YoY-0.6% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 9.6% in tier |
| Assets |
$2.7M
-9.0% YoY+2.2% QoQ
|
$-27.5M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.6% in tier |
| Loans |
$833,508
-17.9% YoY-9.0% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.9% in tier |
| Deposits |
$2.0M
-11.7% YoY+3.0% QoQ
|
$-23.7M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.4% in tier |
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| ROA |
0.2%
-84.0% YoY-11.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
5.1%
-1.9% YoY-0.5% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
80.5%
+18.1% YoY+6.5% QoQ
|
-2.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
41.4%
-7.0% YoY-11.6% QoQ
|
-19.2% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$7,976
-9.8% YoY-0.3% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
294
Net Worth Ratio
risk
Value:
24.91%
Peer Median: -
#294 of 2556
Top 11.5% in <100M tier
310
Net Interest Margin (NIM)
profitability
Value:
5.11%
Peer Median: -
#310 of 2556
Top 12.1% in <100M tier
Top Weaknesses (16 metrics)
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2471
Net Charge-Off Rate
risk
Value:
2.96%
Peer Median: -
#2471 of 2556
Bottom 3.4% in <100M tier
2425
Deposit Growth Rate
growth
Value:
-11.72%
Peer Median: -
#2425 of 2556
Bottom 5.2% in <100M tier
2405
Asset Growth Rate
growth
Value:
-8.98%
Peer Median: -
#2405 of 2556
Bottom 5.9% in <100M tier
2385
AMR Growth Rate
growth
Value:
-9.76%
Peer Median: -
#2385 of 2556
Bottom 6.7% in <100M tier
2369
Loan Growth Rate
growth
Value:
-17.93%
Peer Median: -
#2369 of 2556
Bottom 7.4% in <100M tier
2309
Total Members
engagement
Value:
357
Peer Median: -
#2309 of 2556
Bottom 9.7% in <100M tier
2304
Total Loans
balance_sheet
Value:
$833,508
Peer Median: -
#2304 of 2556
Bottom 9.9% in <100M tier
2264
Total Deposits
balance_sheet
Value:
$2.01M
Peer Median: -
#2264 of 2556
Bottom 11.5% in <100M tier
2259
Total Assets
balance_sheet
Value:
$2.68M
Peer Median: -
#2259 of 2556
Bottom 11.7% in <100M tier