BlastPoint's Credit Union Scorecard
LAUDERDALE COUNTY TEACHERS
Charter #61944 · AL
LAUDERDALE COUNTY TEACHERS has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 8.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +3.8% year over year ($33.3M in shares and deposits).
- Membership: 1,956 members, -1.7% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.57%.
- Efficiency ratio 56.46% vs a 88.77% peer average.
- Loan-to-share ratio 37.28% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,956
-1.7% YoY-0.4% QoQ
|
-629 |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
51% |
| Assets |
$38.5M
+4.8% YoY+0.1% QoQ
|
+$8.2M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$12.4M
-4.8% YoY-1.7% QoQ
|
$-3.0M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$33.3M
+3.8% YoY-0.1% QoQ
|
+$7.5M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
1.6%
+34.1% YoY-6.9% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
3.3%
+7.7% YoY+2.9% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
56.5%
-14.1% YoY+7.6% QoQ
|
-32.3% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Top 8.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
37.3%
-8.3% YoY-1.6% QoQ
|
-21.6% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$23,361
+3.1% YoY-0.2% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Top 12.1% in tier |
| CD Concentration |
26.9%
+5.4% YoY+0.5% QoQ
|
+2.3% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 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)