Teamsters Local 697 Federal Credit Union
Total assets
$2.7M
▼ -12.7% YoY
Shares & deposits
$2.4M
▼ -14.6% YoY
Loans
$1.9M
▼ -9.8% YoY
Members
532
▼ -4.5% YoY
ROA (annualized)
0.08%
peers 0.60%
ROE (annualized)
0.65%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.7% | +1.3% | -14.0 pts |
| Share growth (YoY) | -14.6% | +0.7% | -15.2 pts |
| Loan growth (YoY) | -9.8% | -2.4% | -7.4 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
Profile
- Established
- 1972
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 901 Market St, Wheeling, WV, 26003
- NCUA charter #
- 20957
- RSSD ID
- 601180
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.7M | $2.4M | $1.9M | $338K | $546 | 0.08% | 6.09% | 0.85% | 532 |
| Q4 2025 | $2.7M | $2.4M | $2.0M | $337K | $12K | 0.43% | 6.63% | 1.25% | 554 |
| Q3 2025 | $2.5M | $2.2M | $2.0M | $337K | $12K | 0.61% | 7.22% | 2.66% | 556 |
| Q2 2025 | $2.7M | $2.4M | $2.1M | $333K | $7K | 0.55% | 6.95% | 0.59% | 558 |
| Q1 2025 | $3.1M | $2.8M | $2.1M | $329K | $4K | 0.45% | 5.82% | 1.67% | 557 |
| Q4 2024 | $3.0M | $2.7M | $2.1M | $326K | $17K | 0.56% | 6.44% | 1.40% | 562 |
| Q3 2024 | $3.0M | $2.6M | $2.1M | $324K | $15K | 0.67% | 6.52% | 0.67% | 558 |
| Q2 2024 | $3.0M | $2.6M | $2.1M | $320K | $11K | 0.71% | 6.55% | 1.54% | 552 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $23K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 6.09% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.8% | 81.5% | — | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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