BlastPoint's Credit Union Scorecard
TEACHERS
Charter #65774 · OK
TEACHERS has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.34% above tier average
- + Net Worth Ratio: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Efficiency ratio 8.35% above tier (higher cost structure)
- - Member decline: -9.1% YoY
- - Net Charge-Off Rate: Bottom 2.4% in tier
- - Member Growth Rate: Bottom 7.4% in tier
- - Loan Growth Rate: Bottom 8.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits -5.8% year over year ($4.4M in shares and deposits).
- Membership: 1,282 members, -9.1% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 1.44%.
- Efficiency ratio 97.12% vs a 88.77% peer average.
- Loan-to-share ratio 62.07% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,282
-9.1% YoY-0.4% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$6.3M
-6.5% YoY-1.3% QoQ
|
$-23.9M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$2.7M
-17.6% YoY-0.7% QoQ
|
$-12.8M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$4.4M
-5.8% YoY-1.5% QoQ
|
$-21.5M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
1.4%
-938.6% YoY-146.9% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
6.2%
-12.5% YoY-2.2% QoQ
|
+2.3% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
97.1%
+3.3% YoY-0.2% QoQ
|
+8.4% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.3%
-95.3% YoY-43.8% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
62.1%
-12.5% YoY+0.7% QoQ
|
+3.2% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
55% |
| AMR |
$5,501
-1.8% YoY-0.8% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.2% in tier |
| CD Concentration |
5.7%
+6.2% YoY+1.5% QoQ
|
-18.8% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 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)