BlastPoint's Credit Union Scorecard
COOPERATIVE TEACHERS
Charter #67576 · TX
COOPERATIVE TEACHERS has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 1.3% in tier
- + Total Deposits: Top 1.4% in tier
- + Total Assets: Top 1.9% in tier
- + Loan-to-Member Ratio (LMR): Top 2.2% in tier
- + Average Member Relationship (AMR): Top 2.5% in tier
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.19% below tier average
- - Efficiency ratio 3.95% above tier (higher cost structure)
- - Delinquency rate 2.76% above tier average
- - Member decline: -9.5% YoY
- - First Mortgage Concentration (%): Bottom 2.6% in tier
- - Net Worth Ratio: Bottom 4.2% in tier
- - Member Growth Rate: Bottom 6.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.0% 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 239 that size in Texas.
- Shares and deposits -4.5% year over year ($83.4M in shares and deposits).
- Membership: 4,314 members, -9.5% vs a year ago.
- Delinquency rate 4.31%.
- Return on assets 0.30%.
- Efficiency ratio 92.72% vs a 88.77% peer average.
- Loan-to-share ratio 74.84% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,314
-9.5% YoY-2.3% QoQ
|
+1.7K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$93.8M
-5.8% YoY+1.1% QoQ
|
+$63.5M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 1.9% in tier |
| Loans |
$62.4M
-11.8% YoY-2.1% QoQ
|
+$46.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 1.4% in tier |
| Deposits |
$83.4M
-4.5% YoY+0.8% QoQ
|
+$57.5M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 1.4% in tier |
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| ROA |
0.3%
+65.7% YoY+80.5% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.6%
+1.0% YoY-0.6% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
92.7%
-4.1% YoY-3.5% QoQ
|
+4.0% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
4.3%
+114.1% YoY+205.4% QoQ
|
+2.8 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.0% in tier |
| Loan To Share |
74.8%
-7.7% YoY-3.0% QoQ
|
+16.0% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$33,782
+1.9% YoY+1.9% QoQ
|
+$19K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 2.6% in tier |
| CD Concentration |
38.4%
-2.7% YoY+1.5% QoQ
|
+13.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 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)