BlastPoint's Credit Union Scorecard
TEAMSTERS LOCAL 697
Charter #20957 · WV
TEAMSTERS LOCAL 697 has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.09% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 2.13% above tier (higher cost structure)
- - Member decline: -4.5% YoY
- - Asset Growth Rate: Bottom 2.8% in tier
- - Deposit Growth Rate: Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
532
-4.5% YoY-4.0% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
Bottom 14.6% in tier |
| Assets |
$2.7M
-12.7% YoY+0.4% QoQ
|
$-27.5M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.9% in tier |
| Loans |
$1.9M
-9.8% YoY-5.9% QoQ
|
$-13.4M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$2.4M
-14.6% YoY+0.3% QoQ
|
$-23.4M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.0% in tier |
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| ROA |
0.1%
-82.7% YoY-82.1% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
25% |
| NIM |
6.1%
+2.2% YoY-11.1% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 3.5% in tier |
| Efficiency Ratio |
92.8%
+12.8% YoY+7.8% QoQ
|
+2.1% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.8%
-49.1% YoY-32.0% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
77.8%
+5.6% YoY-6.2% QoQ
|
+19.3% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$8,000
-8.4% YoY+1.6% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | 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)