BlastPoint's Credit Union Scorecard

TANGIPAHOA PARISH TEACHERS

Charter #60475 · LA

2556 CUs in <100M nationally 109 in LA

TANGIPAHOA PARISH TEACHERS has 3 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.29% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 3.2% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 1.23% above tier average
  • - Member decline: -3.3% YoY
  • - First Mortgage Concentration (%): Bottom 5.8% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 2,824
-3.3% YoY-2.3% QoQ
+208 2,615
-1.9% YoY
9,309
+1.0% YoY
33,374
+5.7% YoY
65%
Assets $31.4M
+3.5% YoY-0.6% QoQ
+$1.3M $30.1M
+2.1% YoY
$122.7M
+4.8% YoY
$561.6M
+9.7% YoY
61%
Loans $16.4M
+1.6% YoY-3.0% QoQ
+$608K $15.8M
-1.3% YoY
$87.2M
+3.5% YoY
$397.0M
+8.8% YoY
64%
Deposits $19.9M
+4.0% YoY-1.1% QoQ
$-5.8M $25.7M
+1.4% YoY
$104.9M
+5.6% YoY
$477.3M
+9.7% YoY
52%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.9%
+49.4% YoY-8.8% QoQ
+0.3% 0.6%
+10.8% YoY
0.3%
+12.6% YoY
0.7%
+15.9% YoY
62%
NIM 3.1%
+14.4% YoY+1.2% QoQ
-0.8% 4.0%
+4.0% YoY
4.2%
+2.9% YoY
3.8%
+5.1% YoY
22%
Efficiency Ratio 67.7%
-8.1% YoY+5.1% QoQ
-14.9% 82.6%
-2.3% YoY
85.6%
-13.2% YoY
79.7%
-3.3% YoY
23%
Delinquency Rate 2.8%
+91.1% YoY+233.0% QoQ
+1.2 1.6%
-3.1% YoY
1.9%
-8.2% YoY
1.3%
-2.1% YoY
Top 14.2% in tier
Loan To Share 82.4%
-2.3% YoY-1.8% QoQ
+21.8% 60.6%
-3.1% YoY
71.2%
-2.0% YoY
67.4%
-1.7% YoY
82%
AMR $12,833
+6.4% YoY+0.3% QoQ
$-2K $14,783
-1.4% YoY
$13,375
+3.1% YoY
$19,687
+2.0% YoY
44%
CD Concentration 33.2%
+18.1% YoY+3.8% QoQ
+8.8% 24.4% 15.2% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 5.0% 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)

Comparing against 2556 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
83
Net Worth Ratio
risk
Value: 36.68%
Peer Median: -
#83 of 2556 Top 3.2% in <100M tier
469
Loan-to-Share Ratio
balance_sheet
Value: 82.38%
Peer Median: -
#469 of 2556 Top 18.3% in <100M tier
527
AMR Growth Rate
growth
Value: 6.40%
Peer Median: -
#527 of 2556 Top 20.6% in <100M tier
592
Efficiency Ratio
profitability
Value: 67.70%
Peer Median: -
#592 of 2556 Top 23.1% in <100M tier

Top Weaknesses (5 metrics)

2410
First Mortgage Concentration (%)
balance_sheet
Value: 55.37%
Peer Median: -
#2410 of 2556 Bottom 5.8% in <100M tier
2203
Share Certificate Concentration (%)
balance_sheet
Value: 33.19%
Peer Median: -
#2203 of 2556 Bottom 13.8% in <100M tier
2193
Total Delinquency Rate (60+ days)
risk
Value: 2.78%
Peer Median: -
#2193 of 2556 Bottom 14.2% in <100M tier
1993
Fee Income Per Member
profitability
Value: $14.63
Peer Median: -
#1993 of 2556 Bottom 22.1% in <100M tier
1984
Net Interest Margin (NIM)
profitability
Value: 3.12%
Peer Median: -
#1984 of 2556 Bottom 22.4% in <100M tier
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