BlastPoint's Credit Union Scorecard
LAUDERDALE COUNTY TEACHERS
Charter #61944 · AL
LAUDERDALE COUNTY TEACHERS has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.4% YoY
- - First Mortgage Concentration (%): Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,990
-4.4% YoY+0.1% QoQ
|
-625 |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$37.6M
+5.2% YoY+0.7% QoQ
|
+$7.4M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$12.6M
-1.9% YoY-1.1% QoQ
|
$-3.2M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$32.4M
+3.4% YoY-0.5% QoQ
|
+$6.7M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
1.3%
+59.9% YoY+2.5% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
3.2%
+18.6% YoY+1.4% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
63.6%
-13.2% YoY-0.8% QoQ
|
-19.0% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate | 0.0% | -1.5 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Top 13.8% in tier |
| Loan To Share |
38.9%
-5.2% YoY-0.7% QoQ
|
-21.7% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$22,611
+6.5% YoY-0.7% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Top 12.9% in tier |
| CD Concentration |
27.9%
+7.9% YoY+1.4% QoQ
|
+3.5% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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)