BlastPoint's Credit Union Scorecard
INDEPENDENCE TEACHERS
Charter #62620 · MO
INDEPENDENCE TEACHERS has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Fee Income Per Member: Bottom 6.8% 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 58 that size in Missouri.
- Shares and deposits -1.8% year over year ($13.9M in shares and deposits).
- Membership: 1,862 members, -1.0% vs a year ago.
- Delinquency rate 0.03%.
- Return on assets 1.00%.
- Efficiency ratio 61.15% vs a 88.77% peer average.
- Loan-to-share ratio 32.45% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,862
-1.0% YoY-0.4% QoQ
|
-723 |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$16.5M
-0.4% YoY-0.9% QoQ
|
$-13.8M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$4.5M
-8.7% YoY+0.7% QoQ
|
$-11.0M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$13.9M
-1.8% YoY-1.4% QoQ
|
$-11.9M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
43% |
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| ROA |
1.0%
-1.0% YoY+8.7% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
2.7%
-4.2% YoY+2.0% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio |
61.2%
+16.3% YoY+3.7% QoQ
|
-27.6% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
Top 12.6% in tier |
| Delinquency Rate |
0.0%
-97.8% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
Top 14.6% in tier |
| Loan To Share |
32.4%
-7.0% YoY+2.1% QoQ
|
-26.4% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.9% in tier |
| AMR |
$9,875
-2.6% YoY-0.5% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
12.8%
+148.7% QoQ
|
-11.8% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.9% | 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)