TEAMSTERS LOCAL #238
Charter #65606 · Cedar Rapids, IA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 5.96% sits at the 0th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.96% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 107.38% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 36th — a 48-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 #238 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.68M | 84th pct | 36th pct |
| Members | 1,721 | 95th pct | 57th pct |
| Net worth ratio | 5.96% | 2th pct | 0th pct |
| Return on average assets | -0.40% | 24th pct | 26th pct |
| Net interest margin | 4.50% | 65th pct | 69th pct |
| Cost of funds | 0.40% | 44th pct | 33th pct |
| Loan-to-share | 44.34% | 34th pct | 36th pct |
| Delinquency 60+ days | 1.74% | 65th pct | 64th pct |
| Net charge-off ratio | -0.96% | 4th pct | 2th pct |
| Loan growth YoY | 0.47% | 76th pct | 84th pct |
| Share growth YoY | 3.89% | 76th pct | 56th pct |
| Efficiency ratio | 107.38% | 79th pct | 79th pct |
structural peer set hash: ce748d59e36baba8f45aabd3fdc049ce… (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.