BlastPoint's Credit Union Scorecard
TEAMSTERS
Charter #61824 · MN
TEAMSTERS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.87% below tier average
- - Efficiency ratio 8.62% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,823
-0.6% YoY+0.7% QoQ
|
-802 |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$13.8M
-1.6% YoY-0.1% QoQ
|
$-16.1M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
39% |
| Loans |
$7.7M
-2.5% YoY-1.0% QoQ
|
$-8.1M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$12.5M
-1.5% YoY-0.1% QoQ
|
$-13.0M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
41% |
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| ROA |
-0.2%
-196.6% YoY-52.0% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.5% in tier |
| NIM |
4.5%
+8.5% YoY+6.3% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
90.0%
+1.6% YoY-6.1% QoQ
|
+8.6% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.8%
+75.8% YoY+64.5% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
61.5%
-1.0% YoY-0.8% QoQ
|
+0.2% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$11,047
-1.3% YoY-1.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
20.9%
+15.1% YoY+3.1% QoQ
|
-3.5% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% 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)