BlastPoint's Credit Union Scorecard
TEAMSTERS LOCAL #238
Charter #65606 · IA
TEAMSTERS LOCAL #238 has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.88% below tier average
- - Efficiency ratio 14.59% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
- - Net Worth Ratio: Bottom 0.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,727
-0.5% YoY-0.9% QoQ
|
-888 |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$7.7M
-3.0% YoY+2.8% QoQ
|
$-22.5M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$3.2M
-1.0% YoY+1.3% QoQ
|
$-12.6M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$7.1M
-3.0% YoY+3.5% QoQ
|
$-18.6M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
-0.3%
+6.5% YoY-1374.9% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.5% in tier |
| NIM |
5.2%
+26.3% YoY-0.8% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 11.0% in tier |
| Efficiency Ratio |
97.2%
-7.9% YoY+1.3% QoQ
|
+14.6% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 14.6% in tier |
| Delinquency Rate |
1.9%
+36.4% YoY-24.9% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
44.9%
+2.1% YoY-2.1% QoQ
|
-15.7% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$5,975
-2.0% YoY+3.7% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.9% in tier |
| CD Concentration |
6.9%
+519.2% YoY+164.8% QoQ
|
-17.5% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 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)