BlastPoint's Credit Union Scorecard
TEAMSTERS LOCAL #238
Charter #65606 · IA
TEAMSTERS LOCAL #238 has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Efficiency ratio 14.50% above tier (higher cost structure)
- - Delinquency rate 1.04% above tier average
- - Net Worth Ratio: Bottom 1.1% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
- - Deposit Growth Rate: Bottom 6.9% in tier
- - AMR Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,743
-0.3% YoY0% QoQ
|
-882 |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$7.4M
-9.5% YoY-2.0% QoQ
|
$-22.4M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$3.2M
-5.8% YoY-1.9% QoQ
|
$-12.6M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$6.9M
-10.4% YoY-2.1% QoQ
|
$-18.6M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
29% |
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| ROA |
0.0%
-105.8% YoY-89.4% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
5.2%
+39.0% YoY+2.3% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 10.6% in tier |
| Efficiency Ratio |
95.9%
-11.6% YoY+2.3% QoQ
|
+14.5% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
85% |
| Delinquency Rate |
2.5%
+183.4% YoY-20.8% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Top 14.8% in tier |
| Loan To Share |
45.8%
+5.1% YoY+0.2% QoQ
|
-15.4% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$5,759
-8.7% YoY-2.1% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.2% in tier |
| CD Concentration |
2.6%
+13.6% YoY+164.9% QoQ
|
-21.8% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% 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)