BlastPoint's Credit Union Scorecard
TEAMSTERS LOCAL 92
Charter #19430 · OH
TEAMSTERS LOCAL 92 has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.46% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 31.68% below tier average
- - Efficiency ratio 173.21% above tier (higher cost structure)
- - Delinquency rate 2.92% above tier average
- - Net Worth Ratio: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.3% in tier
- - Total Assets: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
518
-1.5% YoY0% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 14.3% in tier |
| Assets |
$1.9M
-26.7% YoY-20.9% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.4% in tier |
| Loans |
$1.8M
-3.1% YoY+1.0% QoQ
|
$-14.0M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$2.2M
-7.8% YoY-7.5% QoQ
|
$-23.3M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.5% in tier |
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| ROA |
-31.0%
+43375.1% YoY+123.3% QoQ
|
-31.7% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.0% in tier |
| NIM |
6.4%
+19.5% YoY+18.5% QoQ
|
+2.5% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
254.6%
+151.8% YoY-19.5% QoQ
|
+173.2% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
4.4%
+47.8% YoY+31.8% QoQ
|
+2.9 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 7.3% in tier |
| Loan To Share |
81.8%
+5.0% YoY+9.2% QoQ
|
+20.5% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$7,662
-4.3% YoY-3.8% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
14.9%
-56.7% YoY-61.5% QoQ
|
-9.5% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)