Teamsters Local 238 Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.5 has resulted in Weak (1.7) profitability.
Other Rating Factors:
A current level of 23.9 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Fair asset quality (3.7). Fair current capitalization (3.9 on a scale of 0 to 10) based on a net capital to total assets of 6.2 and a net worth ratio of 0.0.
Asset Mix:
Securities (34%), consumer loans (33%), other (32%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
5050 J Street, SW
Cedar Rapids, IA 52404
Cedar Rapids, IA 52404
Phone Number
(319) 363-8247
NCUA Charter Number
Largest Competitors
Cedar Rapids, IA
Cedar Rapids, IA
Cedar Rapids, IA
Cedar Rapids, IA
Cedar Rapids, IA