BlastPoint's Credit Union Scorecard

MONROE COUNTY TEACHERS

Charter #7039 · FL

2556 CUs in <100M nationally 38 in FL

MONROE COUNTY TEACHERS has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

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 0.74% below tier average
- Efficiency ratio 4.16% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 6.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	2,082 -1.2% YoY-0.6% QoQ	-533	2,615 -1.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	52%
Assets	$26.4M +1.3% YoY-2.5% QoQ	$-3.8M	$30.1M +2.1% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	56%
Loans	$18.1M -9.1% YoY-3.4% QoQ	+$2.4M	$15.8M -1.3% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	67%
Deposits	$23.8M +1.7% YoY-2.5% QoQ	$-1.9M	$25.7M +1.4% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	57%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -136.6% YoY-158.6% QoQ	-0.7%	0.6% +10.8% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	Bottom 13.6% in tier
NIM	3.1% +5.4% YoY-2.4% QoQ	-0.9%	4.0% +4.0% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	21%
Efficiency Ratio	86.7% +7.9% YoY+5.9% QoQ	+4.2%	82.6% -2.3% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	68%
Delinquency Rate	1.3% +7.5% YoY+83.5% QoQ	-0.3	1.6% -3.1% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	67%
Loan To Share	76.2% -10.6% YoY-1.0% QoQ	+15.6%	60.6% -3.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	73%
AMR	$20,133 -2.1% YoY-2.3% QoQ	+$5K	$14,783 -1.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	79%
CD Concentration	42.7% +26.7% YoY+8.7% QoQ	+18.2%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

355

Loan-to-Member Ratio (LMR)

engagement

Value: $8,709

Peer Median: -

#355 of 2556 Top 13.8% in <100M tier

520

Fee Income Per Member

profitability

Value: $132.14

Peer Median: -

#520 of 2556 Top 20.3% in <100M tier

526

Average Member Relationship (AMR)

engagement

Value: $20,133

Peer Median: -

#526 of 2556 Top 20.5% in <100M tier

Top Weaknesses (6 metrics)

2399

Share Certificate Concentration (%)

balance_sheet

Value: 42.67%

Peer Median: -

#2399 of 2556 Bottom 6.2% in <100M tier

2223

Net Worth Ratio

risk

Value: 9.50%

Peer Median: -

#2223 of 2556 Bottom 13.1% in <100M tier

2208

Return on Assets (ROA)

profitability

Value: -0.12%

Peer Median: -

#2208 of 2556 Bottom 13.7% in <100M tier

2069

Net Charge-Off Rate

risk

Value: 0.88%

Peer Median: -

#2069 of 2556 Bottom 19.1% in <100M tier

2011

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: -

#2011 of 2556 Bottom 21.4% in <100M tier

1954

Loan Growth Rate

growth

Value: -9.11%

Peer Median: -

#1954 of 2556 Bottom 23.6% in <100M tier