TEAMSTERS LOCAL 697
Charter #20957 · Wheeling, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 532 sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 6.11% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 10th — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TEAMSTERS LOCAL 697 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.74M | 38th pct | 10th pct |
| Members | 532 | 46th pct | 21th pct |
| Net worth ratio | 12.33% | 24th pct | 43th pct |
| Return on average assets | 0.08% | 36th pct | 36th pct |
| Net interest margin | 6.11% | 91th pct | 92th pct |
| Cost of funds | 0.70% | 56th pct | 33th pct |
| Loan-to-share | 77.80% | 74th pct | 51th pct |
| Delinquency 60+ days | 0.85% | 51th pct | 46th pct |
| Net charge-off ratio | 0.42% | 81th pct | 69th pct |
| Loan growth YoY | -7.41% | 38th pct | 16th pct |
| Share growth YoY | 8.63% | 91th pct | 89th pct |
| Efficiency ratio | 92.76% | 60th pct | 74th pct |
structural peer set hash: 2b71bc00527a9754fbbf284f9adb1d90… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.