BlastPoint's Credit Union Scorecard
INDEPENDENCE TEACHERS
Charter #62620 · MO
INDEPENDENCE TEACHERS has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Members Per Employee (MPE): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,870
-0.8% YoY-0.7% QoQ
|
-806 |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$16.6M
+3.1% YoY+3.4% QoQ
|
$-13.6M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$4.5M
-13.9% YoY-2.8% QoQ
|
$-10.8M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$14.1M
+2.5% YoY+3.8% QoQ
|
$-11.7M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.9%
-33.8% YoY-15.6% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
2.7%
-7.9% YoY-8.0% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 11.0% in tier |
| Efficiency Ratio |
59.0%
+17.4% YoY+12.2% QoQ
|
-31.7% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
Top 10.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
31.8%
-16.0% YoY-6.4% QoQ
|
-26.7% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.0% in tier |
| AMR |
$9,921
-1.2% YoY+2.8% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration | 5.1% | -19.1% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 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)