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 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.28% below tier average
- - Efficiency ratio 57.13% above tier (higher cost structure)
- - Delinquency rate 1.31% above tier average
- - Member decline: -3.5% YoY
- - Net Interest Margin (NIM): Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 2.5% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 5.1% in tier
- - AMR Growth Rate: Bottom 5.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
- - Fee Income Per Member: Bottom 7.6% in tier
- - Total Loans: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
641
-3.5% YoY-0.8% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$5.1M
-11.6% YoY-3.8% QoQ
|
$-24.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$658,230
-30.0% YoY-11.2% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.9% in tier |
| Deposits |
$4.4M
-12.3% YoY-4.1% QoQ
|
$-21.1M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
-0.6%
-7.4% YoY-3.2% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.0% in tier |
| NIM |
1.5%
+12.0% YoY+3.6% QoQ
|
-2.4% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.8% in tier |
| Efficiency Ratio |
138.5%
-5.3% YoY-2.0% QoQ
|
+57.1% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 2.9% in tier |
| Delinquency Rate |
2.8%
+33.7% QoQ
|
+1.3 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 13.3% in tier |
| Loan To Share |
15.0%
-20.2% YoY-7.3% QoQ
|
-46.2% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.9% in tier |
| AMR |
$7,870
-12.0% YoY-4.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
8.2%
-40.1% YoY-39.7% QoQ
|
-16.2% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)