BlastPoint's Credit Union Scorecard
TEACHERS
Charter #8116 · NY
TEACHERS has 4 strengths but faces 7 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 71.9% in tier
- + Organic Growth Leader: Top 71.9% in tier
- + ROA 0.07% above tier average
- + Total Assets: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.9% in tier
- - Shrinking Wallet Share: Bottom 95.3% in tier
- - Deposit Outflow: Bottom 95.3% in tier
- - Delinquency rate 0.57% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- - Net Charge-Off Rate: Bottom 6.9% in tier
- - Share Certificate Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
478,252
+1.1% YoY+1.2% QoQ
|
+41.4K |
436,889
-2.3% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$9.9B
+0.5% YoY+0.2% QoQ
|
+$1.0B |
$8.9B
-0.1% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Top 6.9% in tier |
| Loans |
$5.7B
-4.5% YoY-0.2% QoQ
|
$-418.6M |
$6.1B
-1.1% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$8.3B
-0.7% YoY+0.6% QoQ
|
+$602.5M |
$7.7B
+1.8% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
1.0%
+87.4% YoY+23.5% QoQ
|
+0.1% |
0.9%
+16.3% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
3.1%
+12.6% YoY+7.6% QoQ
|
+0.0% |
3.1%
+6.3% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
61.7%
-1.5% YoY+2.1% QoQ
|
-4.4% |
66.1%
-2.8% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
1.2%
+22.0% YoY-7.5% QoQ
|
+0.6 |
0.6%
+12.0% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.9% in tier |
| Loan To Share |
69.4%
-3.8% YoY-0.7% QoQ
|
-11.0% |
80.4%
-3.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$29,243
-3.4% YoY-1.0% QoQ
|
$-8K |
$37,056
+6.8% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
42.6%
+0.3% YoY-2.7% QoQ
|
+13.9% | 28.6% | 16.4% | 19.8% | Top 7.6% in tier |
| Indirect Auto % |
6.9%
-17.5% YoY-9.1% QoQ
|
-9.5% | 16.4% | 2.6% | 7.7% | 29% |
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 (<15%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)