BlastPoint's Credit Union Scorecard
LYNN TEACHERS
Charter #67882 · MA
2596 CUs in <100M nationally
68 in MA
LYNN TEACHERS has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.70% above tier average
- + Net Interest Margin 1.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + Member Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.50% above tier average
- - Fee Income Per Member: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
679
+3.5% YoY+1.5% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$4.7M
+0.2% YoY-12.9% QoQ
|
$-25.2M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$1.9M
+8.8% YoY+5.9% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$3.5M
-2.3% YoY-16.8% QoQ
|
$-21.9M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
2.4%
+32.8% YoY+12.4% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Top 4.5% in tier |
| NIM |
5.5%
+1.5% YoY+7.5% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
56.9%
-15.6% YoY-3.2% QoQ
|
-24.5% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
3.0%
+328.4% YoY
|
+1.5 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 11.8% in tier |
| Loan To Share |
54.7%
+11.3% YoY+27.2% QoQ
|
-6.5% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$8,070
-2.1% YoY-11.3% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
117
Return on Assets (ROA)
profitability
Value:
2.38%
Peer Avg: -
#117 of 2596
Top 4.5% in <100M tier
188
Net Interest Margin (NIM)
profitability
Value:
5.50%
Peer Avg: -
#188 of 2596
Top 7.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
259
Member Growth Rate
growth
Value:
3.51%
Peer Avg: -
#259 of 2596
Top 9.9% in <100M tier
281
Efficiency Ratio
profitability
Value:
56.89%
Peer Avg: -
#281 of 2596
Top 10.8% in <100M tier
329
Loan Growth Rate
growth
Value:
8.77%
Peer Avg: -
#329 of 2596
Top 12.6% in <100M tier
380
Net Worth Ratio
risk
Value:
22.79%
Peer Avg: -
#380 of 2596
Top 14.6% in <100M tier
Top Weaknesses (8 metrics)
2357
Fee Income Per Member
profitability
Value:
$1.66
Peer Avg: -
#2357 of 2596
Bottom 9.2% in <100M tier
2290
Total Delinquency Rate (60+ days)
risk
Value:
3.01%
Peer Avg: -
#2290 of 2596
Bottom 11.8% in <100M tier
2152
Total Loans
balance_sheet
Value:
$1.94M
Peer Avg: -
#2152 of 2596
Bottom 17.1% in <100M tier
2132
Total Deposits
balance_sheet
Value:
$3.54M
Peer Avg: -
#2132 of 2596
Bottom 17.9% in <100M tier
2122
Total Assets
balance_sheet
Value:
$4.67M
Peer Avg: -
#2122 of 2596
Bottom 18.3% in <100M tier
2104
Total Members
engagement
Value:
679
Peer Avg: -
#2104 of 2596
Bottom 19.0% in <100M tier
2083
Average Member Relationship (AMR)
engagement
Value:
$8,070
Peer Avg: -
#2083 of 2596
Bottom 19.8% in <100M tier
2030
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,855
Peer Avg: -
#2030 of 2596
Bottom 21.8% in <100M tier