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 0.49% above tier average
- + Net Charge-Off Rate: Top 1.7% in tier
- + Members Per Employee (MPE): Top 2.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 16.75% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Net Worth Ratio: Bottom 1.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,721
+1.5% YoY-0.3% QoQ
|
-955 |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$7.7M
-4.2% YoY+0.3% QoQ
|
$-22.5M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$3.2M
-4.0% YoY-0.8% QoQ
|
$-12.1M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$7.2M
-4.1% YoY+0.4% QoQ
|
$-18.6M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
-0.4%
-192.6% YoY+54.5% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.1% in tier |
| NIM |
4.5%
-10.5% YoY-13.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
107.4%
+17.0% YoY+10.5% QoQ
|
+16.8% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.0% in tier |
| Delinquency Rate |
1.7%
-51.6% YoY-8.8% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
44.3%
+0.1% YoY-1.2% QoQ
|
-14.2% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$5,997
-5.5% YoY+0.4% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.6% in tier |
| CD Concentration |
6.6%
+582.8% YoY-4.6% QoQ
|
-17.7% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 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)