BlastPoint's Credit Union Scorecard
LONG BEACH TEACHERS
Charter #3256 · NY
2596 CUs in <100M nationally
188 in NY
LONG BEACH TEACHERS has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.20% 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 0.50% below tier average
- - Member decline: -3.5% YoY
- - Net Charge-Off Rate: Bottom 2.4% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 6.1% in tier
- - Asset Growth Rate: Bottom 7.1% in tier
- - Total Members: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
359
-3.5% YoY-3.0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 9.9% in tier |
| Assets |
$2.6M
-8.4% YoY-9.1% QoQ
|
$-27.2M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.8% in tier |
| Loans |
$915,512
-11.2% YoY+2.8% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.9% in tier |
| Deposits |
$2.0M
-11.2% YoY-12.1% QoQ
|
$-23.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.8% in tier |
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| ROA |
0.2%
-84.8% YoY-580.6% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
23% |
| NIM |
5.1%
-3.2% YoY+7.2% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
75.6%
+21.4% YoY+7.9% QoQ
|
-5.8% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
46.8%
-0.1% YoY+16.9% QoQ
|
-14.4% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$7,998
-8.0% YoY-5.0% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% 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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
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
277
Net Worth Ratio
risk
Value:
25.43%
Peer Avg: -
#277 of 2596
Top 10.6% in <100M tier
304
Net Interest Margin (NIM)
profitability
Value:
5.14%
Peer Avg: -
#304 of 2596
Top 11.7% in <100M tier
Top Weaknesses (14 metrics)
2534
Net Charge-Off Rate
risk
Value:
3.55%
Peer Avg: -
#2534 of 2596
Bottom 2.4% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2438
Deposit Growth Rate
growth
Value:
-11.16%
Peer Avg: -
#2438 of 2596
Bottom 6.1% in <100M tier
2413
Asset Growth Rate
growth
Value:
-8.42%
Peer Avg: -
#2413 of 2596
Bottom 7.1% in <100M tier
2339
Total Members
engagement
Value:
359
Peer Avg: -
#2339 of 2596
Bottom 9.9% in <100M tier
2321
AMR Growth Rate
growth
Value:
-7.96%
Peer Avg: -
#2321 of 2596
Bottom 10.6% in <100M tier
2313
Total Loans
balance_sheet
Value:
$915,512
Peer Avg: -
#2313 of 2596
Bottom 10.9% in <100M tier
2289
Total Assets
balance_sheet
Value:
$2.63M
Peer Avg: -
#2289 of 2596
Bottom 11.9% in <100M tier
2289
Total Deposits
balance_sheet
Value:
$1.96M
Peer Avg: -
#2289 of 2596
Bottom 11.9% in <100M tier
2264
Members Per Employee (MPE)
engagement
Value:
179.500
Peer Avg: -
#2264 of 2596
Bottom 12.8% in <100M tier