Teamsters Local #238

Cedar Rapids, IA · 2 · Charter #65606 · www.teamsterslocal238cu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.7M
34th percentile
Members
1,727
58th percentile
Total loans
$3.2M
32th percentile
Total shares
$7.1M
38th percentile

Profitability

Return on assets
-0.26%
11th percentile
Net interest margin
5.10%
84th percentile
Efficiency ratio
93.54%
10th percentile
Non-interest income ratio
4.40%
31th percentile

Capital & Risk

Net worth ratio
6.08%
1th percentile
Delinquency rate
1.91%
26th percentile
Net charge-off rate
1.37%
11th percentile
Loan-to-share
44.89%
28th percentile

Growth

Member growth YoY
-0.46%
61th percentile
Asset growth YoY
-2.98%
25th percentile
Loan growth YoY
-0.99%
59th percentile
Share growth YoY
-3.04%
29th percentile

Operations

Members / branch
1,727
71th percentile
Assets / member
$4,430
13th percentile
Field of membership penetration
28.31%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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