BlastPoint's Credit Union Scorecard
MONROE COUNTY TEACHERS
Charter #7039 · FL
MONROE COUNTY TEACHERS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 19.17% above tier (higher cost structure)
- - Delinquency rate 0.54% above tier average
- - Member decline: -3.0% YoY
- - Share Certificate Concentration (%): Bottom 4.7% in tier
- - Asset Growth Rate: Bottom 6.0% in tier
- - Net Charge-Off Rate: Bottom 7.7% in tier
- - AMR Growth Rate: Bottom 8.5% in tier
- - Deposit Growth Rate: Bottom 8.7% 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 35 that size in Florida.
- Shares and deposits -9.0% year over year ($21.6M in shares and deposits).
- Membership: 2,036 members, -3.0% vs a year ago.
- Delinquency rate 2.09%.
- Return on assets 1.93%.
- Efficiency ratio 107.93% vs a 88.77% peer average.
- Loan-to-share ratio 75.98% 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 (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,036
-3.0% YoY-0.4% QoQ
|
-549 |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$24.0M
-9.3% YoY-4.6% QoQ
|
$-6.3M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$16.4M
-15.3% YoY-1.5% QoQ
|
+$949K |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$21.6M
-9.0% YoY-4.6% QoQ
|
$-4.2M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
1.9%
+291.6% YoY-191.6% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Top 10.7% in tier |
| NIM |
3.1%
-3.5% YoY+8.3% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
107.9%
+34.8% YoY-11.6% QoQ
|
+19.2% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.8% in tier |
| Delinquency Rate |
2.1%
+43.6% YoY+85.1% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
76.0%
-6.9% YoY+3.3% QoQ
|
+17.1% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$18,664
-9.1% YoY-2.9% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
47.6%
+33.9% YoY-1.7% QoQ
|
+23.1% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)