NEW ENGLAND TEAMSTERS
Charter #21507 | MA
<100M
(2596 CUs)
Micro
($0-$500M)
68 <100M in MA
NEW ENGLAND TEAMSTERS has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 3.0% in tier
- + Members Per Employee (MPE): Top 5.0% in tier
- + Total Deposits: Top 7.7% in tier
- + Net Charge-Off Rate: Top 8.2% in tier
- + Total Assets: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -13.4% YoY
- - Member Growth Rate: Bottom 3.5% in tier
- - First Mortgage Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,106
-13.4% YoY-1.4% QoQ
|
+1.5K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Top 20.4% in tier |
| Assets |
$75.9M
+5.0% YoY-1.3% QoQ
|
+$46.0M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Top 9.4% in tier |
| Loans |
$27.7M
-1.8% YoY+2.2% QoQ
|
+$12.0M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Top 20.5% in tier |
| Deposits |
$67.9M
+4.1% YoY-2.0% QoQ
|
+$42.5M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Top 7.7% in tier |
| ROA |
0.7%
-46.6% YoY+2.6% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
48th in tier |
| NIM |
3.0%
-14.8% YoY+3.1% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 16.6% in tier |
| Efficiency Ratio |
79.3%
+25.0% YoY-1.0% QoQ
|
-2.1% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
52nd in tier |
| Delinquency Rate |
1.4%
-57.2% YoY+1.3% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
71st in tier |
| Loan To Share |
40.8%
-5.6% YoY+4.3% QoQ
|
-20.4% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 20.1% in tier |
| AMR |
$23,300
+18.2% YoY+0.6% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 11.3% in tier |
| CD Concentration |
34.5%
+489.3% YoY-3.4% QoQ
|
+10.0% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
78
AMR Growth Rate
growth
Value:
18.23%
Peer Avg: 4.67%
#78 of 2596
Top 3.0% in <100M tier
131
Members Per Employee (MPE)
engagement
Value:
684.333
Peer Avg: 365.701
#131 of 2596
Top 5.0% in <100M tier
201
Total Deposits
balance_sheet
Value:
$67.94M
Peer Avg: $25.45M
#201 of 2596
Top 7.7% in <100M tier
215
Net Charge-Off Rate
risk
Value:
-0.01%
Peer Avg: 0.57%
#215 of 2596
Top 8.2% in <100M tier
243
Total Assets
balance_sheet
Value:
$75.88M
Peer Avg: $29.86M
#243 of 2596
Top 9.3% in <100M tier
294
Average Member Relationship (AMR)
engagement
Value:
$23,300
Peer Avg: $14,627
#294 of 2596
Top 11.3% in <100M tier
530
Total Members
engagement
Value:
4,106
Peer Avg: 2,626
#530 of 2596
Top 20.4% in <100M tier
533
Total Loans
balance_sheet
Value:
$27.73M
Peer Avg: $15.77M
#533 of 2596
Top 20.5% in <100M tier
Top Weaknesses (5 metrics)
2506
Member Growth Rate
growth
Value:
-13.45%
Peer Avg: 14.92%
#2506 of 2596
Bottom 3.5% in <100M tier
2413
First Mortgage Concentration (%)
balance_sheet
Value:
51.79%
Peer Avg: 14.49%
#2413 of 2596
Bottom 7.1% in <100M tier
2277
Share Certificate Concentration (%)
balance_sheet
Value:
34.45%
Peer Avg: 15.37%
#2277 of 2596
Bottom 12.3% in <100M tier
2164
Net Interest Margin (NIM)
profitability
Value:
2.95%
Peer Avg: 3.93%
#2164 of 2596
Bottom 16.7% in <100M tier
2071
Loan-to-Share Ratio
balance_sheet
Value:
40.81%
Peer Avg: 61.23%
#2071 of 2596
Bottom 20.3% in <100M tier