BlastPoint's Credit Union Scorecard
TEACHERS
Charter #65774 · OK
TEACHERS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.37% above tier average
- + Net Worth Ratio: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 3.22% below tier average
- - Efficiency ratio 6.68% above tier (higher cost structure)
- - Member decline: -14.8% YoY
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Member Growth Rate: Bottom 3.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,287
-14.8% YoY-3.1% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$6.4M
-5.8% YoY-0.8% QoQ
|
$-23.8M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$2.7M
-12.6% YoY-8.9% QoQ
|
$-12.6M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$4.4M
-4.9% YoY-0.1% QoQ
|
$-21.4M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-3.1%
+3201.1% YoY+84.2% QoQ
|
-3.2% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.2% in tier |
| NIM |
6.4%
-12.2% YoY-6.8% QoQ
|
+2.4% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
97.3%
+12.4% YoY-1.0% QoQ
|
+6.7% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
0.6%
-90.5% YoY-87.0% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
61.6%
-8.2% YoY-8.8% QoQ
|
+3.1% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$5,545
+7.9% YoY-0.6% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.5% in tier |
| CD Concentration |
5.7%
+5.1% YoY+0.1% QoQ
|
-18.6% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.5% | 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)