# TEAMSTERS
DETROIT, MI · NCUA charter 61791 · asset band <$50M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/teamsters-61791

Who the members are: state charter, organized 1968, low-income designated. 1,779 members of 100,000 potential (1.8% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $13.7M |
| Members | 1,779 (17.0% YoY) |
| Full-time staff | 0 |
| Net worth | $1.2M |
| Net worth ratio | 9.1% (p12 of band) |
| ROA (annualized) | -2.43% (p4 of band) |
| Total delinquency | 7.73% (p96 of band) |
| Net charge-offs (annualized) | 5.02% (p98 of band) |
| Loans / shares | 35% (p15 of band) |
| Cash / assets | 42.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p47 of band) |
| Operating expense / assets | 4.99% (p82 of band) |
| Vehicles % of loans | 64% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 8.75% (p97 of band) |
| Vehicle NCO | 4.17% (p98 of band) |
| Repossessed % of vehicle book | 0.90% (p99 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 28% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 1% |
| Average share balance | $4,526 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $4,128 |
| Loans granted, annualized | $638,875 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 2 | net worth falling | charge-offs p90 |
| 2016-12 | 0 |  | losing money, net worth falling |
| 2017-03 | 1 | losing money |  |
| 2017-06 | 3 | net worth falling, delinquency rising, members leaving | losing money |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | loan book shrinking |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | loan book shrinking |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 3 | assets shrinking |  |
| 2019-09 | 1 |  | charge-offs p90, assets shrinking |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 | delinquency rising | net worth falling |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 4 | net worth falling, losing money | delinquency rising |
| 2020-12 | 5 | delinquency rising |  |
| 2021-03 | 4 |  | delinquency rising |
| 2021-06 | 4 | auto monoline | members leaving |
| 2021-09 | 6 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 3 |  | margin squeeze, delinquency 2x band, delinquency rising |
| 2022-03 | 3 | charge-offs p90 | net worth falling |
| 2022-06 | 2 | delinquency rising | losing money, charge-offs p90 |
| 2022-09 | 2 | net worth falling | delinquency rising |
| 2022-12 | 4 | delinquency 2x band, delinquency rising, members leaving | net worth falling |
| 2023-03 | 4 | losing money | members leaving |
| 2023-06 | 5 | assets shrinking, members leaving | losing money |
| 2023-09 | 5 |  |  |
| 2023-12 | 6 | losing money |  |
| 2024-03 | 6 | expense trap | members leaving |
| 2024-06 | 8 | charge-offs p90, repo signal, loan book shrinking | expense trap |
| 2024-09 | 8 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-22 [Wednesday, April 22, 2026: 5 things you need to know - WNEM](https://news.google.com/rss/articles/CBMihgFBVV95cUxOTVJ5QU05WVdsU2VLb1E2M3JLOFVOYlNqM2NDQXZLUG10S0xPY1QtXzB1cGNfeFRXYTdhcWxPeEVxWTRmVFZWMjAzQV82Z2xQV3B2bTU5aFBBakNTb1hsbExfVmE1QVRDYmNzMEZENFQ2Q0hLTXpqYUhxY2p1amhfcjdCNlZSUdIBmgFBVV95cUxPeTdVcUZVTE1nWC1saUxNUzRuMHJwY2xjTVNmZTR0enZFR3RFVXVhREp5UUkwcXhtTW45SUdSSk9MMjY2RzNGMXBBT1g5LXItYmQxalY2UERYd0N1VFUtRVptZmtRSk9NQ1RZbm5KMlhLREhBUXQyaGc2Z0hhMjgtQmNuc25LY2xvcE43X3lxZV9ORzZpQ3hTLVN3?oc=5) · WNEM
- 2025-04-08 [Best Banks and Credit Unions in Michigan 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxNemE4TFFGZFhsWDVlS2JUR2JKYzY1YzJseVY1a0hOU0ZPV3lEZFBYSExYYTdpS245ZURXUUJzVi02Y041ZDFfLUY4SWhIUUlvMl9FVGlRc04wQm5HbHRBWDREejBYQUs4MEs2WGFCci1UdWxXc3JESDAxX0M2cmNnLWxlVEcwdTdTRHd0OUdYaw?oc=5) · Newsweek Rankings
- 2024-09-03 [Teamsters accuse Neogen of labor violations - WLNS 6 News](https://news.google.com/rss/articles/CBMifkFVX3lxTE5MdzlNczRfMHh2dVFsMzlyLXI3VVA5NmxVLVZWRWgwbUoyUlVpNXFieW5mVWhLMkNHQU9xYjFJZ29LTkZPUmtjWkptZFpEOGhVUS1UNHFrY2FFOEFMdDhRQ3R3bW1qbVNrNkVnNHZMaFZ0cUYyTXdXc0g2aGpYd9IBgwFBVV95cUxNZjhWSkR3TS1xZU1YWUZfQ0ZaVGpYTUJUeWZyUGU4bVR1SzZRRHlqRlh3WGI0NE1Bb0MxMkdYc21QLXlLUHNMWjAxV0tqN1ViaXdFOWtUSDk2S1d5SjNFcTFXY1RocVNHNG1tR3FBMzlCbExZRC1aQnhOUk9vUDBjUDF6cw?oc=5) · WLNS 6 News
- 2025-08-25 [Bus drivers part of Teamsters Local 671 agree to strike on October 1st if no contract reached with DATTCO - wfsb.com](https://news.google.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?oc=5) · wfsb.com
- 2017-09-27 [5 area credit unions see BauerFinancial Inc. ratings dip - Toledo Blade](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQQkVhemU5VTNfeGpESGU5ZjFlNkFlUWJwN3VpekRrc1hHOXJOdl9xbk1yMm9TRHNYRHlCanptUnBoc3VqaTNWWk5PYmYxV1F4WFZWY2thZldRNkw2Q0xHMDBfN0piZGYteHJReEJBWmotR2VLbkNOZmFjclBNM1RNQVNDNVpDWkVkRFNUcVVicm5jS0E0WjNZOXplU2ZRUlpVZS1Hdl9DTlJlcFR6dnNCQzNxdDduY0VyWGcya1JHQy0?oc=5) · Toledo Blade
- 2022-06-18 [Advantage One Credit Union awards scholarships - thenewsherald.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRXE4My1ZdkhfclpOTEJTX0RBZGd0Q0tZeGQwdGdaUGZXN0RxQ3JuVUhCYUpUWVA1akx3TWl1MFFwbF80alBZaUxiMks4U2RMRmR0MjB1RlRuMmd5bkZ1bjF2Sm5oc0Vkc1RNNE5XMWNnRWtYdWlPRURGN3lmTnBIWTFrdFRFUFRKNWMzeHpQblBGUQ?oc=5) · thenewsherald.com
- 2023-08-31 [Rosalie Cavanaugh Obituary - Westlake Village, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMikwFBVV95cUxOY2dkNS1tcEY1VjlRUENDTTJScDVSQVpwTVlkWVNoSFIzRE0wSUwtUUtQZHFKV0lMSzJMNVUwMk14cFdmY1Y3eGNaWS13b0tsSWhaTEVJeWlEcnE1SkdkRWZnR19vcWlBMHA2ZnFpZF9WZGYtRmZKM2JPYUNTc3kyUkljekh0dDNyMFZXZDd0c2dtdGs?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61791 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/31.json (key "61791", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61791
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide