BlastPoint's Credit Union Scorecard
TEACHERS
Charter #65774 · OK
TEACHERS has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.5% in tier
- + Net Worth Ratio: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.29% below tier average
- - Efficiency ratio 15.77% above tier (higher cost structure)
- - Delinquency rate 3.07% above tier average
- - Member decline: -38.5% YoY
- - Member Growth Rate: Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 2.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,328
-38.5% YoY-3.6% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$6.5M
-0.6% YoY-2.9% QoQ
|
$-23.7M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$3.0M
-5.6% YoY-5.9% QoQ
|
$-12.8M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$4.4M
+1.8% YoY-2.0% QoQ
|
$-21.3M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
-1.7%
+31.7% YoY+809.8% QoQ
|
-2.3% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.7% in tier |
| NIM |
6.8%
+1.2% YoY-1.6% QoQ
|
+2.9% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
98.3%
+10.1% YoY+1.7% QoQ
|
+15.8% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
Top 13.0% in tier |
| Delinquency Rate |
4.6%
-1.2% YoY+299.2% QoQ
|
+3.1 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Top 7.0% in tier |
| Loan To Share |
67.5%
-7.3% YoY-4.0% QoQ
|
+6.9% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$5,579
+60.6% YoY-0.1% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.7% in tier |
| CD Concentration |
5.7%
+2.0% QoQ
|
-18.8% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 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)