BlastPoint's Credit Union Scorecard
METROPOLITAN TEACHERS
Charter #68135 · TN
2596 CUs in <100M nationally
88 in TN
METROPOLITAN TEACHERS has 4 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.9% in tier
- + Members Per Employee (MPE): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 3.39% below tier average
- - Efficiency ratio 19.99% above tier (higher cost structure)
- - Delinquency rate 1.53% above tier average
- - Member decline: -34.9% YoY
- - Net Worth Ratio: Bottom 0.6% in tier
- - Member Growth Rate: Bottom 1.0% in tier
- - Average Member Relationship (AMR): Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 4.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.7% in tier
- - Net Charge-Off Rate: Bottom 5.3% in tier
- - Share Certificate Concentration (%): Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,177
-34.9% YoY-35.8% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$2.2M
-11.3% YoY-5.4% QoQ
|
$-27.7M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.7% in tier |
| Loans |
$820,162
-13.4% YoY+4.8% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.1% in tier |
| Deposits |
$2.1M
-6.9% YoY-4.6% QoQ
|
$-23.4M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.2% in tier |
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| ROA |
-2.7%
-39.0% YoY-28.1% QoQ
|
-3.4% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.4% in tier |
| NIM |
3.3%
-12.8% YoY+0.2% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
101.4%
-35.1% YoY-27.4% QoQ
|
+20.0% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Top 10.1% in tier |
| Delinquency Rate |
3.0%
-13.1% YoY+1335.8% QoQ
|
+1.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 11.7% in tier |
| Loan To Share |
39.2%
-7.0% YoY+9.8% QoQ
|
-22.0% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$2,472
+39.9% YoY+52.4% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.7% in tier |
| CD Concentration |
40.8%
+9.8% YoY+3.8% QoQ
|
+16.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% 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 (4 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
24
AMR Growth Rate
growth
Value:
39.92%
Peer Avg: -
#24 of 2596
Top 0.9% in <100M tier
211
Members Per Employee (MPE)
engagement
Value:
588.500
Peer Avg: -
#211 of 2596
Top 8.1% in <100M tier
Top Weaknesses (16 metrics)
2581
Net Worth Ratio
risk
Value:
5.20%
Peer Avg: -
#2581 of 2596
Bottom 0.6% in <100M tier
2572
Member Growth Rate
growth
Value:
-34.86%
Peer Avg: -
#2572 of 2596
Bottom 1.0% in <100M tier
2534
Return on Assets (ROA)
profitability
Value:
-2.71%
Peer Avg: -
#2534 of 2596
Bottom 2.4% in <100M tier
2500
Average Member Relationship (AMR)
engagement
Value:
$2,472
Peer Avg: -
#2500 of 2596
Bottom 3.7% in <100M tier
2488
Asset Growth Rate
growth
Value:
-11.26%
Peer Avg: -
#2488 of 2596
Bottom 4.2% in <100M tier
2476
Loan-to-Member Ratio (LMR)
engagement
Value:
$696.82
Peer Avg: -
#2476 of 2596
Bottom 4.7% in <100M tier
2459
Net Charge-Off Rate
risk
Value:
2.16%
Peer Avg: -
#2459 of 2596
Bottom 5.3% in <100M tier
2421
Share Certificate Concentration (%)
balance_sheet
Value:
40.85%
Peer Avg: -
#2421 of 2596
Bottom 6.8% in <100M tier
2336
Efficiency Ratio
profitability
Value:
101.38%
Peer Avg: -
#2336 of 2596
Bottom 10.1% in <100M tier
2333
Total Loans
balance_sheet
Value:
$820,162
Peer Avg: -
#2333 of 2596
Bottom 10.2% in <100M tier