TEAM FINANCIAL
Charter #20147 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
TEAM FINANCIAL has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.54% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 5.1% in tier
- + Deposit Growth Rate: Top 8.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 38.38% below tier average
- - Delinquency rate 1.69% above tier average
- - Member decline: -10.6% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Fee Income Per Member: Bottom 0.0% in tier
- - Net Worth Ratio: Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 1.7% in tier
- - Member Growth Rate: Bottom 5.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
982
-10.6% YoY-2.2% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
28th in tier |
| Assets |
$4.3M
-16.1% YoY-15.2% QoQ
|
$-25.6M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.9% in tier |
| Loans |
$3.2M
-9.8% YoY-3.1% QoQ
|
$-12.6M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
25th in tier |
| Deposits |
$5.2M
+10.4% YoY+11.3% QoQ
|
$-20.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 24.1% in tier |
| ROA |
-37.7%
-16343.0% YoY+220338.9% QoQ
|
-38.4% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.0% in tier |
| NIM |
5.5%
-0.9% YoY+7.2% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 7.5% in tier |
| Efficiency Ratio | - | - |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
- |
| Delinquency Rate |
3.2%
+65.8% YoY+78.7% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 11.0% in tier |
| Loan To Share |
62.1%
-18.3% YoY-12.9% QoQ
|
+0.8% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
51st in tier |
| AMR |
$8,525
+13.8% YoY+7.6% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 21.8% in tier |
| CD Concentration |
13.5%
-25.4% YoY-17.2% QoQ
|
-10.9% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
134
AMR Growth Rate
growth
Value:
13.78%
Peer Avg: 4.67%
#134 of 2596
Top 5.1% in <100M tier
194
Net Interest Margin (NIM)
profitability
Value:
5.48%
Peer Avg: 3.93%
#194 of 2596
Top 7.4% in <100M tier
211
Deposit Growth Rate
growth
Value:
10.41%
Peer Avg: 16.80%
#211 of 2596
Top 8.1% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (12 metrics)
2596
Efficiency Ratio
profitability
Value:
-
Peer Avg: 81.39%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Return on Assets (ROA)
profitability
Value:
-37.70%
Peer Avg: 0.68%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Fee Income Per Member
profitability
Value:
$-1732.42
Peer Avg: $182.96
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Net Worth Ratio
risk
Value:
-21.94%
Peer Avg: 16.43%
#2596 of 2596
Bottom 0.0% in <100M tier
2553
Asset Growth Rate
growth
Value:
-16.08%
Peer Avg: 1.82%
#2553 of 2596
Bottom 1.7% in <100M tier
2462
Member Growth Rate
growth
Value:
-10.65%
Peer Avg: 14.92%
#2462 of 2596
Bottom 5.2% in <100M tier
2311
Total Delinquency Rate (60+ days)
risk
Value:
3.20%
Peer Avg: 1.51%
#2311 of 2596
Bottom 11.0% in <100M tier
2156
Total Assets
balance_sheet
Value:
$4.25M
Peer Avg: $29.86M
#2156 of 2596
Bottom 17.0% in <100M tier
2030
Loan Growth Rate
growth
Value:
-9.83%
Peer Avg: 59.01%
#2030 of 2596
Bottom 21.8% in <100M tier