BlastPoint's Credit Union Scorecard
METROPOLITAN TEACHERS
Charter #68135 · TN
METROPOLITAN TEACHERS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 8.44% above tier average
- + AMR Growth Rate: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 342.11% above tier (higher cost structure)
- - Delinquency rate 4.48% above tier average
- - Member decline: -36.2% YoY
- - Member Growth Rate: Bottom 0.5% in tier
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - Average Member Relationship (AMR): Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.0% 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 84 that size in Tennessee.
- Shares and deposits -3.0% year over year ($2.1M in shares and deposits).
- Membership: 1,168 members, -36.2% vs a year ago.
- Delinquency rate 6.02%.
- Return on assets 9.94%.
- Efficiency ratio 430.87% vs a 88.77% peer average.
- Loan-to-share ratio 33.35% 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,168
-36.2% YoY+0.4% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$2.5M
+5.4% YoY-4.7% QoQ
|
$-27.8M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.8% in tier |
| Loans |
$708,632
-9.5% YoY-9.3% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.0% in tier |
| Deposits |
$2.1M
-3.0% YoY-1.0% QoQ
|
$-23.7M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.6% in tier |
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| ROA |
9.9%
-363.6% YoY-328.4% QoQ
|
+8.4% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 0.7% in tier |
| NIM |
2.4%
-26.5% YoY+97.5% QoQ
|
-1.5% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.8% in tier |
| Efficiency Ratio |
430.9%
+208.6% YoY+21.6% QoQ
|
+342.1% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.3% in tier |
| Delinquency Rate |
6.0%
+2746.3% YoY-5.4% QoQ
|
+4.5 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.0% in tier |
| Loan To Share |
33.3%
-6.7% YoY-8.3% QoQ
|
-25.5% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.6% in tier |
| AMR |
$2,426
+49.5% YoY-3.6% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.2% in tier |
| CD Concentration |
40.7%
+3.5% YoY+0.3% QoQ
|
+16.2% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)