BlastPoint's Credit Union Scorecard
METROPOLITAN TEACHERS
Charter #68135 · TN
<100M
2556 CUs in <100M nationally
87 in TN
METROPOLITAN TEACHERS has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 8.17% above tier average
- + AMR Growth Rate: Top 0.8% in tier
- + Fee Income Per Member: Top 1.7% in tier
- + Efficiency Ratio: Top 2.5% in tier
- + Members Per Employee (MPE): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.96% above tier average
- - Member decline: -35.2% YoY
- - Member Growth Rate: Bottom 0.8% in tier
- - Average Member Relationship (AMR): Bottom 3.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
- - Share Certificate Concentration (%): Bottom 6.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
- - Net Charge-Off Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,177
-35.2% YoY0% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$2.5M
+3.4% YoY+15.6% QoQ
|
$-27.6M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.2% in tier |
| Loans |
$772,643
-12.0% YoY-5.8% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.3% in tier |
| Deposits |
$2.1M
-8.1% YoY-0.7% QoQ
|
$-23.6M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.8% in tier |
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| ROA |
8.8%
-303.0% YoY-424.2% QoQ
|
+8.2% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 0.2% in tier |
| NIM |
3.0%
-17.0% YoY-9.5% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
44.0%
-72.0% YoY-56.6% QoQ
|
-38.5% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Top 2.5% in tier |
| Delinquency Rate |
4.5%
-13.6% YoY+48.7% QoQ
|
+3.0 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.2% in tier |
| Loan To Share |
37.2%
-4.2% YoY-5.1% QoQ
|
-23.4% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$2,420
+40.1% YoY-2.1% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.4% in tier |
| CD Concentration |
41.1%
+6.9% YoY+0.7% QoQ
|
+16.7% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
6
Return on Assets (ROA)
profitability
Value:
8.79%
Peer Median: -
#6 of 2556
Top 0.2% in <100M tier
22
AMR Growth Rate
growth
Value:
40.10%
Peer Median: -
#22 of 2556
Top 0.8% in <100M tier
45
Fee Income Per Member
profitability
Value:
$324.71
Peer Median: -
#45 of 2556
Top 1.7% in <100M tier
65
Efficiency Ratio
profitability
Value:
44.02%
Peer Median: -
#65 of 2556
Top 2.5% in <100M tier
200
Members Per Employee (MPE)
engagement
Value:
588.500
Peer Median: -
#200 of 2556
Top 7.8% in <100M tier
Top Weaknesses (13 metrics)
2536
Member Growth Rate
growth
Value:
-35.19%
Peer Median: -
#2536 of 2556
Bottom 0.8% in <100M tier
2468
Average Member Relationship (AMR)
engagement
Value:
$2,420
Peer Median: -
#2468 of 2556
Bottom 3.5% in <100M tier
2448
Loan-to-Member Ratio (LMR)
engagement
Value:
$656.45
Peer Median: -
#2448 of 2556
Bottom 4.3% in <100M tier
2380
Share Certificate Concentration (%)
balance_sheet
Value:
41.13%
Peer Median: -
#2380 of 2556
Bottom 6.9% in <100M tier
2373
Total Delinquency Rate (60+ days)
risk
Value:
4.52%
Peer Median: -
#2373 of 2556
Bottom 7.2% in <100M tier
2362
Net Charge-Off Rate
risk
Value:
1.68%
Peer Median: -
#2362 of 2556
Bottom 7.6% in <100M tier
2318
Total Loans
balance_sheet
Value:
$772,643
Peer Median: -
#2318 of 2556
Bottom 9.4% in <100M tier
2297
Deposit Growth Rate
growth
Value:
-8.10%
Peer Median: -
#2297 of 2556
Bottom 10.2% in <100M tier
2269
Total Assets
balance_sheet
Value:
$2.55M
Peer Median: -
#2269 of 2556
Bottom 11.3% in <100M tier
2255
Total Deposits
balance_sheet
Value:
$2.08M
Peer Median: -
#2255 of 2556
Bottom 11.8% in <100M tier