MONROE COUNTY TEACHERS
Charter #7039 | FL
<100M
(2596 CUs)
Micro
($0-$500M)
40 <100M in FL
MONROE COUNTY TEACHERS has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 0.53% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,094
+0.6% YoY-0.3% QoQ
|
-531 |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
53rd in tier |
| Assets |
$27.1M
+7.0% YoY+2.4% QoQ
|
$-2.8M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
57th in tier |
| Loans |
$18.8M
-5.2% YoY-3.1% QoQ
|
+$3.0M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
68th in tier |
| Deposits |
$24.4M
+7.6% YoY+2.8% QoQ
|
$-1.1M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
59th in tier |
| ROA |
0.2%
-35.9% YoY-57.3% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 24.2% in tier |
| NIM |
3.2%
+12.1% YoY-0.2% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 23.1% in tier |
| Efficiency Ratio |
81.9%
+2.0% YoY+2.3% QoQ
|
+0.5% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
59th in tier |
| Delinquency Rate |
0.7%
+23.6% YoY-52.4% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
51st in tier |
| Loan To Share |
77.0%
-11.9% YoY-5.7% QoQ
|
+15.7% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
73rd in tier |
| AMR |
$20,616
+1.1% YoY+0.4% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 18.1% in tier |
| CD Concentration |
39.3%
+34.2% YoY+10.3% QoQ
|
+14.8% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
323
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,967
Peer Avg: $5,488
#323 of 2596
Top 12.4% in <100M tier
374
Deposit Growth Rate
growth
Value:
7.63%
Peer Avg: 16.80%
#374 of 2596
Top 14.4% in <100M tier
411
Fee Income Per Member
profitability
Value:
$145.33
Peer Avg: $182.96
#411 of 2596
Top 15.8% in <100M tier
427
Asset Growth Rate
growth
Value:
7.01%
Peer Avg: 1.82%
#427 of 2596
Top 16.4% in <100M tier
470
Average Member Relationship (AMR)
engagement
Value:
$20,616
Peer Avg: $14,627
#470 of 2596
Top 18.1% in <100M tier
Top Weaknesses (5 metrics)
2395
Share Certificate Concentration (%)
balance_sheet
Value:
39.26%
Peer Avg: 15.37%
#2395 of 2596
Bottom 7.8% in <100M tier
2252
Net Worth Ratio
risk
Value:
9.54%
Peer Avg: 16.43%
#2252 of 2596
Bottom 13.3% in <100M tier
1997
Net Interest Margin (NIM)
profitability
Value:
3.17%
Peer Avg: 3.93%
#1997 of 2596
Bottom 23.1% in <100M tier
1997
Net Charge-Off Rate
risk
Value:
0.67%
Peer Avg: 0.57%
#1997 of 2596
Bottom 23.1% in <100M tier
1968
Return on Assets (ROA)
profitability
Value:
0.21%
Peer Avg: 0.68%
#1968 of 2596
Bottom 24.2% in <100M tier