BlastPoint's Credit Union Scorecard
TEAMSTERS LOCAL UNION #270
Charter #20550 · LA
TEAMSTERS LOCAL UNION #270 has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.62% above tier average
- + 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
- - Delinquency rate 5.23% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 2.6% in tier
- - Total Loans: Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 3.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- - Total Assets: Bottom 5.2% in tier
- - Total Deposits: Bottom 5.9% in tier
- - Loan Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
499
-1.4% YoY+0.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 13.6% in tier |
| Assets |
$977,763
+1.7% YoY-0.4% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.2% in tier |
| Loans |
$138,536
-17.9% YoY-3.2% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.3% in tier |
| Deposits |
$825,833
-1.4% YoY-0.7% QoQ
|
$-24.9M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.9% in tier |
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| ROA |
1.0%
-10.9% YoY-9.1% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
4.6%
+9.9% YoY-3.5% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
76.2%
+2.9% YoY+3.3% QoQ
|
-6.3% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
6.8%
+3.1% YoY
|
+5.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 3.7% in tier |
| Loan To Share |
16.8%
-16.8% YoY-2.5% QoQ
|
-43.8% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.3% in tier |
| AMR |
$1,933
-2.8% YoY-1.5% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)