BlastPoint's Credit Union Scorecard
TEAMSTERS LOCAL 697
Charter #20957 · WV
TEAMSTERS LOCAL 697 has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.90% 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
- - ROA 0.18% below tier average
- - Efficiency ratio 3.50% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 6.6% in tier
- - Deposit Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
554
-1.4% YoY-0.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
15% |
| Assets |
$2.7M
-8.5% YoY+7.1% QoQ
|
$-27.4M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.8% in tier |
| Loans |
$2.0M
-5.2% YoY-1.6% QoQ
|
$-13.8M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$2.4M
-10.0% YoY+8.3% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.2% in tier |
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| ROA |
0.4%
-20.7% YoY-24.6% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
6.9%
+5.9% YoY-2.4% QoQ
|
+2.9% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 1.5% in tier |
| Efficiency Ratio |
86.1%
+3.2% YoY+3.4% QoQ
|
+3.5% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.2%
-10.4% YoY-52.9% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
82.9%
+5.4% YoY-9.1% QoQ
|
+22.3% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$7,877
-6.5% YoY+3.9% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 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)