BlastPoint's Credit Union Scorecard
TEAMSTERS LOCAL 697
Charter #20957 · WV
TEAMSTERS LOCAL 697 has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.09% 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
- + Loan-to-Share Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Efficiency ratio 1.81% above tier (higher cost structure)
- - Delinquency rate 1.15% above tier average
- - Asset Growth Rate: Bottom 2.4% in tier
- - Deposit Growth Rate: Bottom 2.6% in tier
- - AMR Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
556
-0.4% YoY-0.4% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
15% |
| Assets |
$2.5M
-13.6% YoY-5.3% QoQ
|
$-27.3M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.6% in tier |
| Loans |
$2.0M
-4.6% YoY-5.7% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$2.2M
-15.9% YoY-6.3% QoQ
|
$-23.3M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.5% in tier |
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| ROA |
0.6%
-11.9% YoY+16.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
41% |
| NIM |
7.0%
+7.9% YoY+9.5% QoQ
|
+3.1% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
83.2%
+1.4% YoY-0.2% QoQ
|
+1.8% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
2.7%
+294.9% YoY+352.9% QoQ
|
+1.1 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Top 14.1% in tier |
| Loan To Share |
91.3%
+13.4% YoY+0.7% QoQ
|
+30.0% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Top 9.8% in tier |
| AMR |
$7,581
-10.5% YoY-5.7% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% 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)