BlastPoint's Credit Union Scorecard
MONROE COUNTY TEACHERS
Charter #7039 · FL
MONROE COUNTY TEACHERS faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 2.25% below tier average
- - Efficiency ratio 31.44% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Share Certificate Concentration (%): Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 8.5% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
- - Loan Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,045
-2.4% YoY-1.8% QoQ
|
-631 |
2,676
+1.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$25.1M
-6.5% YoY-4.8% QoQ
|
$-5.1M |
$30.2M
+1.3% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$16.7M
-16.7% YoY-8.1% QoQ
|
+$1.4M |
$15.3M
-2.0% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$22.6M
-6.5% YoY-4.8% QoQ
|
$-3.1M |
$25.8M
+0.7% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
56% |
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| ROA |
-2.1%
-439.8% YoY+1611.6% QoQ
|
-2.3% |
0.1%
-77.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.5% in tier |
| NIM |
2.8%
-12.9% YoY-8.5% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.9% in tier |
| Efficiency Ratio |
122.1%
+65.4% YoY+40.8% QoQ
|
+31.4% |
90.6%
+6.5% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
1.1%
-17.6% YoY-11.3% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
73.6%
-10.8% YoY-3.5% QoQ
|
+15.1% |
58.5%
-3.0% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$19,216
-8.9% YoY-4.6% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
75% |
| CD Concentration |
48.5%
+45.5% YoY+13.6% QoQ
|
+24.2% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 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)