BlastPoint's Credit Union Scorecard
TEAMSTERS LOCAL #238
Charter #65606 · IA
TEAMSTERS LOCAL #238 has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% above tier average
- + Net Charge-Off Rate: Top 2.2% in tier
- + Members Per Employee (MPE): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.98% below tier average
- - Efficiency ratio 21.24% above tier (higher cost structure)
- - Delinquency rate 1.49% above tier average
- - Net Worth Ratio: Bottom 0.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
- Shares and deposits +0.5% year over year ($7.1M in shares and deposits).
- Membership: 1,720 members, -1.3% vs a year ago.
- Delinquency rate 3.04%.
- Return on assets 0.51%.
- Efficiency ratio 110.01% vs a 88.77% peer average.
- Loan-to-share ratio 44.19% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,720
-1.3% YoY-0.1% QoQ
|
-865 |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$7.6M
+0.0% YoY-1.1% QoQ
|
$-22.7M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$3.1M
-2.9% YoY-1.5% QoQ
|
$-12.3M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$7.1M
+0.5% YoY-1.1% QoQ
|
$-18.7M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
29% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+166.5% YoY-227.1% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
4.6%
-10.3% YoY+1.7% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
110.0%
+17.3% YoY+2.4% QoQ
|
+21.2% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate |
3.0%
-5.6% YoY+74.2% QoQ
|
+1.5 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
44.2%
-3.4% YoY-0.3% QoQ
|
-14.7% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$5,926
+0.8% YoY-1.2% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.5% in tier |
| CD Concentration |
5.2%
+429.0% YoY-21.0% QoQ
|
-19.3% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.1% | 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)