BlastPoint's Credit Union Scorecard
TEACHERS
Charter #65774 · OK
TEACHERS has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.3% in tier
- + Net Worth Ratio: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.87% below tier average
- - Efficiency ratio 15.33% above tier (higher cost structure)
- - Member decline: -37.7% YoY
- - Member Growth Rate: Bottom 0.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,377
-37.7% YoY-2.3% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$6.7M
-1.1% YoY-1.7% QoQ
|
$-23.2M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$3.2M
+4.8% YoY-3.2% QoQ
|
$-12.6M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$4.5M
-1.2% YoY-2.4% QoQ
|
$-20.9M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
-0.2%
-86.8% YoY+6.7% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.6% in tier |
| NIM |
7.0%
+4.0% YoY-2.5% QoQ
|
+3.0% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 1.5% in tier |
| Efficiency Ratio |
96.7%
+9.5% YoY+2.9% QoQ
|
+15.3% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 14.0% in tier |
| Delinquency Rate |
1.2%
-72.6% YoY-84.0% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
70.4%
+6.1% YoY-0.8% QoQ
|
+9.1% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$5,582
+62.4% YoY-0.4% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.7% in tier |
| CD Concentration |
5.5%
+2.4% QoQ
|
-18.9% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.2%
-17.2% 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)