State credit union · Cedar Rapids, Iowa · NCUA charter #65606
Teamsters Local #238
Health score 48/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 48
- Health / 100
- $7.7M
- Total assets
- 1,727
- Members
- 6.0%
- Net-worth ratio
Teamsters Local #238 scores 48/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.7M; members 1,727; net-worth ratio 5.96%; health rank #4,292 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,292 of 4,374 health · 2025Q4Teamsters Local #238 · health 48/100 · $7.7M · 2025Q4
- PHOTO 48/100
- BOOK 6.0%
- CHARTER 1.91%
- NCUSIF -0.26%
- CAMELS $7.7M
- HEALTH 1,727
- NW #4,292/4,374
- DELQ n/a
- ROA 65606
Call Report peers
Teamsters Local #238 carries $7.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Teamsters Local #238 vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
48 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Teamsters Local #238 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #65606 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Teamsters Local #238: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 44.89% here, 63.60% peer average (-18.71 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Teamsters Local #238: in-state Call Report ranks
- In Iowa, health place is #66 of 66 on the same NCUA-ratio sort used nationally.
- Iowa assets place: #53 of 66.
- Iowa membership ordinal: #48 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Teamsters Local #238: 2025Q4 → 2026Q1
Teamsters Local #238: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $7.7M (2025Q4) to $7.7M (2026Q1).
- Net-worth ratio shifted -0.12 pp (6.08% → 5.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 5.96%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 48/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 48.
- Net Worth Ratio 14.9 pts
- Delinquency Rate 13.2 pts
- Return on Assets 2.2 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 9.5 pts
Teamsters Local #238 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 5.96% | -13.10 pp |
| Delinquency Rate | 1.91% | +0.10 pp |
| Return on Assets | -0.26% | -0.71 pp |
| Member Growth | -0.46% | - |
| Loan-to-Share Ratio | 44.89% | -18.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Teamsters Local #238 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.7M | - |
| 2025Q4 | $7.7M | 1,727 |
| 2024Q4 | $7.9M | 1,735 |
| 2023Q4 | $8.2M | 1,748 |
Credit Union Details
- Charter Number
- 65606
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Iowa
- City
- Cedar Rapids
- Data Quarter
- 2025Q4
Branch Location
Teamsters Local #238 operates a single office in Cedar Rapids, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Teamsters Local #238 Credit Union (Main Office) | Cedar Rapids, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Cross-state Call Report peers for Teamsters Local #238
Two NCUA Call Report peer sets for Teamsters Local #238, both outside Iowa so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (48/100 here).
Using this data
- Teamsters Local #238 ranks #4,292 of 4,374 nationally on financial health and #66 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACE
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Teamsters Local #238 financially healthy?
Yes/no aside, the number is 48/100 (Below Average) - Teamsters Local #238's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,292 of 4,374; by total assets it ranks #3,695 of 4,374 nationally (same basis as /rankings/largest); and #53 of 66 within Iowa. Above 80 reads excellent, below 50 warrants closer monitoring; a 5.96% net worth ratio and 1.91% delinquency rate are the key drivers.
How does Teamsters Local #238 compare to other credit unions?
Teamsters Local #238 scores 48/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Teamsters Local #238?
Membership eligibility for Teamsters Local #238 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Teamsters Local #238 directly for current membership requirements and application steps.
Is my money safe at Teamsters Local #238?
Federal credit unions like Teamsters Local #238 are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Teamsters Local #238's net worth ratio of 5.96% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Teamsters Local #238 offer compared to banks?
Credit unions like Teamsters Local #238 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Teamsters Local #238 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.