BlastPoint's Credit Union Scorecard
TEACHERS
Charter #8116 · NY
TEACHERS has 3 strengths but faces 9 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.3% in tier
- + Organic Growth Leader: Top 31.3% in tier
- + Total Assets: Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 6.2% in tier
- - Credit Quality Pressure: Bottom 9.8% in tier
- - Flatlined Growth: Bottom 16.7% in tier
- - ROA 0.08% below tier average
- - Delinquency rate 0.53% above tier average
- - Loan Growth Rate: Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
- - Net Charge-Off Rate: Bottom 3.3% in tier
- - Share Certificate Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
484,208
+1.6% YoY+1.6% QoQ
|
+24.9K |
459,296
+3.8% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$9.9B
+0.8% YoY+0.2% QoQ
|
+$978.0M |
$8.9B
+1.2% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 3.3% in tier |
| Loans |
$5.6B
-10.7% YoY-1.3% QoQ
|
$-717.7M |
$6.3B
+2.9% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$8.2B
+3.7% YoY-0.4% QoQ
|
+$756.4M |
$7.5B
+2.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
83% |
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| ROA |
1.0%
+230.7% YoY-3.7% QoQ
|
-0.1% |
1.0%
+22.1% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
2.8%
+11.9% YoY+1.3% QoQ
|
-0.2% |
3.0%
+11.5% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
59.4%
-11.7% YoY+1.5% QoQ
|
-4.3% |
63.7%
-2.2% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
1.2%
+12.2% YoY-2.6% QoQ
|
+0.5 |
0.7%
+10.8% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 3.3% in tier |
| Loan To Share |
68.5%
-13.9% YoY-0.9% QoQ
|
-16.9% |
85.4%
+0.7% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.3% in tier |
| AMR |
$28,570
-4.2% YoY-2.3% QoQ
|
$-5K |
$33,660
-2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
43.0%
+7.5% YoY+1.7% QoQ
|
+14.1% |
28.9%
-1.3% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
Top 7.8% in tier |
| Indirect Auto % |
7.5%
-20.8% YoY-6.6% QoQ
|
-9.1% |
16.6%
-10.3% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
28% |
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)
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.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)