TEAMSTERS LOCAL UNION #270
Charter #20550 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
TEAMSTERS LOCAL UNION #270 has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 0.80% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 1.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 2.9% in tier
- - Total Loans: Bottom 3.5% in tier
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - Total Assets: Bottom 5.4% in tier
- - Total Deposits: Bottom 6.1% in tier
- - Loan Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
497
-1.4% YoY-0.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 13.8% in tier |
| Assets |
$981,584
+4.9% YoY+5.8% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.4% in tier |
| Loans |
$143,049
-19.6% YoY+2.3% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.5% in tier |
| Deposits |
$831,603
+1.9% YoY+4.4% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.0% in tier |
| ROA |
1.1%
+26.5% YoY+3.1% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
67th in tier |
| NIM |
4.7%
+13.0% YoY+5.1% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 20.0% in tier |
| Efficiency Ratio |
73.8%
-7.9% YoY+3.4% QoQ
|
-7.6% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
39th in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
17.2%
-21.1% YoY-2.1% QoQ
|
-44.0% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.4% in tier |
| AMR |
$1,961
-0.6% YoY+4.3% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% 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 (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
520
Net Interest Margin (NIM)
profitability
Value:
4.73%
Peer Avg: 3.93%
#520 of 2596
Top 20.0% in <100M tier
Top Weaknesses (10 metrics)
2558
Net Charge-Off Rate
risk
Value:
5.05%
Peer Avg: 0.57%
#2558 of 2596
Bottom 1.5% in <100M tier
2537
Loan-to-Member Ratio (LMR)
engagement
Value:
$287.82
Peer Avg: $5,488
#2537 of 2596
Bottom 2.3% in <100M tier
2522
Average Member Relationship (AMR)
engagement
Value:
$1,961
Peer Avg: $14,627
#2522 of 2596
Bottom 2.9% in <100M tier
2506
Total Loans
balance_sheet
Value:
$143,049
Peer Avg: $15.77M
#2506 of 2596
Bottom 3.5% in <100M tier
2503
Loan-to-Share Ratio
balance_sheet
Value:
17.20%
Peer Avg: 61.23%
#2503 of 2596
Bottom 3.6% in <100M tier
2456
Total Assets
balance_sheet
Value:
$981,584
Peer Avg: $29.86M
#2456 of 2596
Bottom 5.4% in <100M tier
2439
Total Deposits
balance_sheet
Value:
$831,603
Peer Avg: $25.45M
#2439 of 2596
Bottom 6.1% in <100M tier
2427
Loan Growth Rate
growth
Value:
-19.61%
Peer Avg: 59.01%
#2427 of 2596
Bottom 6.5% in <100M tier
2239
Total Members
engagement
Value:
497
Peer Avg: 2,626
#2239 of 2596
Bottom 13.8% in <100M tier
2175
Fee Income Per Member
profitability
Value:
$6.89
Peer Avg: $182.96
#2175 of 2596
Bottom 16.3% in <100M tier