Federal credit union · NEW ORLEANS, Louisiana · NCUA charter #20550
Teamsters Local Union #270
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $978K
- Total assets
- 499
- Members
- 15.4%
- Net-worth ratio
Teamsters Local Union #270 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #20550, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Teamsters Local Union #270 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth43
- Liquidity (loan-to-share)50
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.43% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.43% | 30% |
| Delinquency Rate | 6.79% | 25% |
| Return on Assets | 1.10% | 15% |
| Member Growth | -1.38% | 15% |
| Loan-to-Share Ratio | 16.78% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $978K | 499 |
| 2024Q4 | $962K | 506 |
| 2023Q4 | $920K | 500 |
Credit Union Details
- Charter Number
- 20550
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Louisiana
- City
- NEW ORLEANS
- Data Quarter
- 2025Q4
What This Data Says About Teamsters Local Union #270
Teamsters Local Union #270 is a federal credit union headquartered in NEW ORLEANS, Louisiana, serving 499 members with $978K in total assets and $139K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 59/100 (Fair), anchored by a net worth ratio of 15.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #20550 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 6.79% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers - and a 16.78% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.10% on net income of $11K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.38%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Louisiana
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Teamsters Local Union #270 financially healthy?
Teamsters Local Union #270 scores 59/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.43% net worth ratio and a 6.79% delinquency rate.
How does Teamsters Local Union #270 compare to other credit unions?
59/100 is Teamsters Local Union #270's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Union #270?
Teamsters Local Union #270 operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Teamsters Local Union #270 directly for the exact boundaries and application steps.
Is my money safe at Teamsters Local Union #270?
Federal credit unions like Teamsters Local Union #270 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 Union #270's net worth ratio of 15.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Teamsters Local Union #270 offer compared to banks?
Credit unions like Teamsters Local Union #270 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 Union #270 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.