TEACHERS

Charter #8116 | NY

7B-10B (30 CUs) Large (64 CUs)
4 7B-10B in NY

TEACHERS has 3 strengths but faces 9 concerns

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
 53rd in tier
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
 Bottom 23.3% in tier
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
 Top 16.7% in tier
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
 57th in tier
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
 30th in tier
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
 33rd in tier
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
 33rd in tier
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
 28th in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#34 of 50 • Top 22.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.59%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.95%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 7.52%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Organic Growth Leader

growth
#27 of 28 • Top 31.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.59%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs)

Concerns (3)

Shrinking Wallet Share

decline
#4 of 15 • Bottom 6.2% in tier

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

Why This Signature
AMR Growth (YoY): -4.17%
(Tier: 2.82%, National: 4.19%)
worse than tier avg
15 of 64 Large CUs have this signature | 346 nationally
↓ Shrinking -6 CUs YoY | Rank improving

Credit Quality Pressure

risk
#13 of 34 • Bottom 9.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.13% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Flatlined Growth

risk
#2 of 6 • Bottom 16.7% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $9.90B
(Tier: $8.92B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 0.84%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Return on Assets: 0.95%
(Tier: 0.91%, National: 0.71%)
but better than tier avg
6 of 64 Large CUs have this signature | 82 nationally
→ Stable (3→6 CUs) +3 CUs YoY

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)

Comparing against 30 peers in tier

Top Strengths (4 metrics)

1
Total Assets
balance_sheet
Value: $9.90B
Peer Avg: $8.92B
#1 of 30 Top 0.0% in 7B-10B tier
5
Total Deposits
balance_sheet
Value: $8.21B
Peer Avg: $7.45B
#5 of 30 Top 13.3% in 7B-10B tier
6
Indirect Auto Concentration (%)
balance_sheet
Value: 7.52%
Peer Avg: 18.85%
#6 of 30 Top 16.7% in 7B-10B tier
6
Members Per Employee (MPE)
engagement
Value: 541.620
Peer Avg: 450.512
#6 of 30 Top 16.7% in 7B-10B tier

Top Weaknesses (7 metrics)

30
Loan Growth Rate
growth
Value: -10.66%
Peer Avg: 3.91%
#30 of 30 Bottom 3.3% in 7B-10B tier
30
Total Delinquency Rate (60+ days)
risk
Value: 1.21%
Peer Avg: 0.67%
#30 of 30 Bottom 3.3% in 7B-10B tier
30
Net Charge-Off Rate
risk
Value: 1.12%
Peer Avg: 0.56%
#30 of 30 Bottom 3.3% in 7B-10B tier
28
Share Certificate Concentration (%)
balance_sheet
Value: 42.96%
Peer Avg: 26.92%
#28 of 30 Bottom 10.0% in 7B-10B tier
27
AMR Growth Rate
growth
Value: -4.17%
Peer Avg: 1.77%
#27 of 30 Bottom 13.3% in 7B-10B tier
26
Loan-to-Share Ratio
balance_sheet
Value: 68.50%
Peer Avg: 85.44%
#26 of 30 Bottom 16.7% in 7B-10B tier
25
Member Growth Rate
growth
Value: 1.59%
Peer Avg: 2.85%
#25 of 30 Bottom 20.0% in 7B-10B tier