BlastPoint's Credit Union Scorecard
GREENSBURG TEACHERS
Charter #63715 · PA
GREENSBURG TEACHERS has 3 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.23% below tier average
- - Efficiency ratio 52.20% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - Member decline: -4.1% YoY
- - Loan Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 2.4% in tier
- - Loan-to-Share Ratio: Bottom 2.5% in tier
- - Net Interest Margin (NIM): Bottom 2.8% in tier
- - Deposit Growth Rate: Bottom 3.2% in tier
- - AMR Growth Rate: Bottom 3.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
- - Fee Income Per Member: Bottom 6.6% in tier
- - Total Loans: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
633
-4.1% YoY-1.2% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$5.0M
-13.1% YoY-2.3% QoQ
|
$-25.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$582,250
-33.5% YoY-11.5% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.1% in tier |
| Deposits |
$4.3M
-13.9% YoY-2.2% QoQ
|
$-21.4M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
-0.6%
+6.6% YoY+1.8% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.9% in tier |
| NIM |
1.7%
+17.3% YoY+12.9% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
134.8%
-2.4% YoY-2.7% QoQ
|
+52.2% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate |
2.0%
+11.6% YoY-28.9% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
13.6%
-22.7% YoY-9.6% QoQ
|
-47.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.3% in tier |
| AMR |
$7,698
-13.3% YoY-2.2% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
2.1%
-87.2% YoY-74.3% QoQ
|
-22.3% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 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)