| Metric | Teamsters Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -2.8% | +0.9% | -3.7 pts |
| Loan growth (YoY) | -4.5% | -2.6% | -1.9 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 5.0% | 4.4% | +0.6 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.5M | $12.1M | $7.4M | $1.3M | $32K | 0.48% | 4.75% | 0.43% | 1,815 |
| Q1 2026 | $13.9M | $12.6M | $7.5M | $1.3M | $14K | 0.39% | 4.49% | 0.83% | 1,812 |
| Q4 2025 | $13.8M | $12.5M | $7.3M | $1.3M | $-39K | -0.29% | 4.53% | 0.79% | 1,819 |
| Q3 2025 | $13.8M | $12.5M | $7.7M | $1.3M | $-19K | -0.19% | 4.49% | 0.80% | 1,823 |
| Q2 2025 | $13.8M | $12.5M | $7.7M | $1.3M | $-27K | -0.40% | 4.28% | 0.49% | 1,811 |
| Q1 2025 | $14.2M | $12.9M | $7.6M | $1.3M | $-24K | -0.69% | 4.09% | 0.94% | 1,846 |
| Q4 2024 | $14.1M | $12.8M | $8.0M | $1.3M | $18K | 0.13% | 4.16% | 0.41% | 1,848 |
| Q3 2024 | $14.0M | $12.7M | $7.9M | $1.3M | $20K | 0.20% | 4.15% | 0.46% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Teamsters Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,834 |
| Q2 2024 | $14.1M | $12.8M | $7.8M | $1.3M | $14K | 0.19% | 3.94% | 0.79% | 1,827 |
Loan mix (Q2 2026): real estate $1.4M · commercial $0 · consumer $5.0M · securities $5.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 80.6% | 68th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Teamsters Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Teamsters Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Teamsters Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Teamsters Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Teamsters Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Anoka, MN, ranked 35th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anoka, MN | 1 | $12.1M* | 0.14% | 35th |
Minnesota: 355th with 0.00% · Minneapolis-St. Paul-Bloomington metro: 165th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1