BlastPoint's Credit Union Scorecard
METROPOLITAN TEACHERS
Charter #68135 · TN
METROPOLITAN TEACHERS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 4.50% below tier average
- - Efficiency ratio 263.64% above tier (higher cost structure)
- - Delinquency rate 4.86% above tier average
- - Member decline: -36.0% YoY
- - Member Growth Rate: Bottom 0.6% in tier
- - Net Interest Margin (NIM): Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,163
-36.0% YoY-1.2% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$2.6M
+5.2% YoY+1.2% QoQ
|
$-27.6M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.3% in tier |
| Loans |
$780,971
-5.3% YoY+1.1% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.7% in tier |
| Deposits |
$2.1M
-6.1% YoY+3.4% QoQ
|
$-23.6M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.9% in tier |
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| ROA |
-4.4%
+27.3% YoY-149.5% QoQ
|
-4.5% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.1% in tier |
| NIM |
1.2%
-63.1% YoY-59.0% QoQ
|
-2.8% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
354.3%
+149.3% YoY+704.9% QoQ
|
+263.6% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate |
6.4%
+62.8% YoY+40.9% QoQ
|
+4.9 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
36.4%
+0.8% YoY-2.3% QoQ
|
-22.1% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$2,517
+47.2% YoY+4.0% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.6% in tier |
| CD Concentration |
40.6%
+2.7% YoY-1.3% QoQ
|
+16.3% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 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)