BlastPoint's Credit Union Scorecard
TEACHERS
Charter #8116 · NY
TEACHERS has 3 strengths but faces 9 concerns
How does the industry compare?
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 79.2% in tier
- + Organic Growth Leader: Top 92.9% in tier
- + Total Assets: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 0.0% in tier
- - Shrinking Wallet Share: Bottom 25.0% in tier
- - Credit Quality Pressure: Bottom 94.4% in tier
- - ROA 0.14% below tier average
- - Delinquency rate 0.57% above tier average
- - Net Charge-Off Rate: Bottom 3.0% in tier
- - Loan Growth Rate: Bottom 6.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.1% in tier
- - Share Certificate Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
472,407
+1.0% YoY-2.4% QoQ
|
+26.5K |
445,922
+0.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$9.9B
+0.6% YoY+0.2% QoQ
|
+$990.7M |
$8.9B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 9.1% in tier |
| Loans |
$5.7B
-6.1% YoY+2.0% QoQ
|
$-520.2M |
$6.3B
+0.8% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$8.2B
-0.1% YoY+0.0% QoQ
|
+$693.2M |
$7.5B
+1.2% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.8%
+67.1% YoY-13.5% QoQ
|
-0.1% |
1.0%
+27.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
2.8%
+9.0% YoY+1.5% QoQ
|
-0.1% |
3.0%
+12.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
60.4%
-4.1% YoY+1.7% QoQ
|
-4.4% |
64.8%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
1.3%
+1.8% YoY+6.7% QoQ
|
+0.6 |
0.7%
+5.5% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 6.1% in tier |
| Loan To Share |
69.9%
-6.0% YoY+2.0% QoQ
|
-13.5% |
83.4%
-0.6% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$29,529
-3.6% YoY+3.4% QoQ
|
$-5K |
$34,266
-1.7% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
43.7%
+4.0% YoY+1.8% QoQ
|
+14.6% | 29.1% | 16.3% | 19.8% | Top 7.5% in tier |
| Indirect Auto % |
7.6%
-15.8% YoY+1.2% QoQ
|
-9.5% | 17.1% | 2.6% | 7.8% | 27% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)