BlastPoint's Credit Union Scorecard

TEACHERS

Charter #8116 · NY

Large 7B-10B

28 CUs in 7B-10B nationally 3 in NY

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TEACHERS has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 57.8% in tier
+ Organic Growth Engine: Top 57.8% in tier
+ Total Assets: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 53.0% in tier
- Shrinking Wallet Share: Bottom 90.6% in tier
- Flatlined Growth: Bottom 92.2% in tier
- ROA 0.14% below tier average
- Delinquency rate 0.40% above tier average
- Net Charge-Off Rate: Bottom 3.6% in tier
- Share Certificate Concentration (%): Bottom 7.1% 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 28 credit unions with $7B-$10B in assets nationally, and 1 of 3 that size in New York.
Shares and deposits -0.2% year over year ($8.22B in shares and deposits).
Membership: 486,565 members, +2.1% vs a year ago.
Delinquency rate 1.19%.
Return on assets 0.89%.
Efficiency ratio 61.00% vs a 66.07% peer average.
Loan-to-share ratio 70.91% vs a 81.29% 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 (NY)	National Avg	Tier Percentile
Members	486,565 +2.1% YoY+1.7% QoQ	+47.7K	438,885 -1.1% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	54%
Assets	$9.9B +0.4% YoY-0.3% QoQ	+$996.2M	$8.9B +0.0% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	Top 3.6% in tier
Loans	$5.8B +2.3% YoY+1.7% QoQ	$-388.0M	$6.2B -0.6% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	32%
Deposits	$8.2B -0.2% YoY-0.5% QoQ	+$562.6M	$7.7B +2.7% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	71%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -10.5% YoY-13.0% QoQ	-0.1%	1.0% +4.7% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	32%
NIM	3.1% +13.2% YoY+2.3% QoQ	+0.0%	3.1% +6.6% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	50%
Efficiency Ratio	61.0% +4.2% YoY-1.1% QoQ	-5.1%	66.1% +1.6% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	25%
Delinquency Rate	1.2% -3.8% YoY-0.0% QoQ	+0.4	0.8% +23.1% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	Bottom 14.3% in tier
Loan To Share	70.9% +2.6% YoY+2.2% QoQ	-10.4%	81.3% -3.8% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	25%
AMR	$28,870 -1.3% YoY-1.3% QoQ	$-8K	$37,279 +8.1% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	39%
CD Concentration	42.5% +0.5% YoY-0.2% QoQ	+14.2%	28.3%	16.4%	20.0%	Top 7.6% in tier
Indirect Auto %	6.2% -22.5% YoY-9.8% QoQ	-10.6%	16.8%	2.7%	7.7%	27%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#15 of 22 • Top 57.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.11%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 6.24%

(Tier: 16.81%, National: 7.71%)

better than tier avg

22 of 67 Large CUs have this signature | 485 nationally

→ Stable (27→22 CUs) -5 CUs YoY | Rank improving

Organic Growth Engine

growth

#18 of 22 • Top 57.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.11%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

Return on Assets: 0.89%

(Tier: 0.96%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 6.24%

(Tier: 16.81%, National: 7.71%)

better than tier avg

22 of 67 Large CUs have this signature | 490 nationally

↓ Shrinking -25 CUs YoY | Rank improving

Concerns (3)

Flatlined Growth

risk

#1 of 3 • Bottom 92.2% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.37%

(Tier: 8.71%, National: 3.30%)

worse than tier avg

Return on Assets: 0.89%

(Tier: 0.96%, National: 1.23%)

worse than tier avg

3 of 67 Large CUs have this signature | 57 nationally

→ Stable (1→3 CUs) +2 CUs YoY

Shrinking Wallet Share

decline

#7 of 11 • Bottom 90.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.28%

(Tier: 4.16%, National: 35.20%)

worse than tier avg

11 of 67 Large CUs have this signature | 308 nationally

→ Stable (11→11 CUs) | Rank worsening

Margin Compression

decline

#4 of 5 • Bottom 53.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.89%

(Tier: 0.96%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 0.99%

(Tier: 0.84%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.14% points, National: 0.47% points)

worse than tier avg

5 of 67 Large CUs have this signature | 167 nationally

→ Stable (8→5 CUs) -3 CUs YoY | New qualifier

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 28 peers in tier

Top Strengths (5 metrics)

Total Assets

balance_sheet

Value: $9.92B

Peer Median: $9.14B

#1 of 28 Top 0.1% in 7B-10B tier

Members Per Employee (MPE)

engagement

Value: 499.553

Peer Median: 394.254

#6 of 28 Top 17.9% in 7B-10B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 6.24%

Peer Median: 15.88%

#7 of 28 Top 21.4% in 7B-10B tier

Efficiency Ratio

profitability

Value: 61.00%

Peer Median: 63.82%

#8 of 28 Top 25.0% in 7B-10B tier

Total Deposits

balance_sheet

Value: $8.22B

Peer Median: $7.79B

#8 of 28 Top 25.0% in 7B-10B tier

Top Weaknesses (7 metrics)

Net Charge-Off Rate

risk

Value: 1.13%

Peer Median: 0.42%

#28 of 28 Bottom 3.6% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 42.47%

Peer Median: 26.96%

#27 of 28 Bottom 7.1% in 7B-10B tier

Deposit Growth Rate

growth

Value: -0.25%

Peer Median: 5.19%

#26 of 28 Bottom 10.7% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.19%

Peer Median: 0.71%

#25 of 28 Bottom 14.3% in 7B-10B tier

Fee Income Per Member

profitability

Value: $144.45

Peer Median: $206.85

#24 of 28 Bottom 17.9% in 7B-10B tier

Asset Growth Rate

growth

Value: 0.37%

Peer Median: 4.49%

#24 of 28 Bottom 17.9% in 7B-10B tier

AMR Growth Rate

growth

Value: -1.28%

Peer Median: 3.49%

#24 of 28 Bottom 17.9% in 7B-10B tier