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 0.58% 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 0.91% below tier average
- - Efficiency ratio 7.17% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,819
-1.6% YoY-0.2% QoQ
|
-796 |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$13.8M
-1.9% YoY+0.3% QoQ
|
$-16.3M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$7.3M
-9.0% YoY-5.0% QoQ
|
$-8.5M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$12.5M
-1.6% YoY+0.6% QoQ
|
$-13.1M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
-0.3%
-327.7% YoY+52.3% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.2% in tier |
| NIM |
4.5%
+8.5% YoY+1.0% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
89.7%
-0.8% YoY-0.3% QoQ
|
+7.2% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.8%
+94.7% YoY-1.5% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
58.1%
-7.5% YoY-5.5% QoQ
|
-2.5% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$10,901
-3.0% YoY-1.3% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
21.3%
+15.9% YoY+1.9% QoQ
|
-3.2% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 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)