TellerScore

Teamsters Local 697 Federal Credit Union is a federal credit union headquartered in Wheeling, West Virginia, in business for about 54 years. At the end of Q2 2026 it reported $2.9M in total assets and $2.5M in member shares and deposits.

Teamsters Local 697 Federal Credit Union has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 72nd. Funding & liquidity contributes the most (81/100, 80% loans-to-deposits, 0% uninsured); loan quality contributes the least (6/100, 2.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.69%
Loan quality6/100
Loans 60+ days delinquent ÷ total loans: 2.83%
Earnings22/100
Return on assets (annualized): 0.05%
Funding & liquidity81/100
Loans ÷ shares: 79.7% · 0.0% uninsured
Problem-loan coverage69/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 25 points (70 → 45), mostly because the loan quality component weakened by 74 points.

TellerScore
455870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202468
Q4 202460
Q1 202556
Q2 202570
Q3 202554
Q4 202564
Q1 202666
Q2 202645
Net worth ratio
7.00%10.12%13.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.78%
Q3 202410.98%
Q4 202410.92%
Q1 202510.49%
Q2 202512.37%
Q3 202513.23%
Q4 202512.36%
Q1 202612.33%
Q2 202611.69%
Delinquent loans (60+ days)
0.59%1.71%2.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.54%
Q3 20240.67%
Q4 20241.39%
Q1 20251.67%
Q2 20250.59%
Q3 20252.66%
Q4 20251.25%
Q1 20260.85%
Q2 20262.83%
Return on assets
0.05%0.38%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.71%
Q3 20240.67%
Q4 20240.56%
Q1 20250.45%
Q2 20250.55%
Q3 20250.61%
Q4 20250.43%
Q1 20260.08%
Q2 20260.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202645$2.9M11.69%2.83%0.05%79.7%
Q1 202666$2.7M12.33%0.85%0.08%77.8%
Q4 202564$2.7M12.36%1.25%0.43%82.9%
Q3 202554$2.5M13.23%2.66%0.61%91.3%
Q2 202570$2.7M12.37%0.59%0.55%90.7%
Q1 202556$3.1M10.49%1.67%0.45%73.7%
Q4 202460$3.0M10.92%1.39%0.56%78.7%
Q3 202468$3.0M10.98%0.67%0.67%80.5%
Q2 202459$3.0M10.78%1.54%0.71%81.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.69%
29th
Problem loans2.83%
14th
Net charge-offs0.18%
50th
Return on assets0.05%
21st
Loans to deposits79.7%
20th
Uninsured deposits0.0%
81st
Loan-loss reserves1.55%
87th
Texas ratio15.5%
7th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
City of Fairmont Federal Credit UnionCredit union Fairmont, WV48 out of 100, Below average$1.4M10.9%9.25%vs
Logan County School Employees Federal Credit UnionCredit union Logan, WV66 out of 100, Moderate$1.3M19.3%3.93%vs
Charleston Postal Federal Credit UnionCredit union Charleston, WV58 out of 100, Moderate$4.9M8.4%0.27%vs
U S Employees Federal Credit UnionCredit union Fairmont, WV32 out of 100, Low$526K7.7%2.94%vs
Eagle Can Employees Federal Credit UnionCredit union Wellsburg, WV80 out of 100, Strong$455K32.2%1.18%vs
W. Virginia State Convention Credit UnionCredit union Hilltop, WV58 out of 100, Moderate$382K9.9%3.99%vs

Deposit insurance

Is my money safe at Teamsters Local 697 Federal Credit Union?

Yes. Teamsters Local 697 Federal Credit Union is a federally insured credit union (NCUA charter #20957). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.69%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Teamsters Local 697 Federal Credit Union
Type
Federal credit union
NCUA charter #
20957
RSSD ID
601180
Primary regulator
NCUA
Established
1972
Headquarters
901 Market St, Wheeling, WV 26003
Employees
4

Quick answers

Teamsters Local 697 Federal Credit Union: common questions

Is Teamsters Local 697 Federal Credit Union NCUA insured?

Yes. Teamsters Local 697 Federal Credit Union is a federally insured credit union (NCUA charter #20957). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Teamsters Local 697 Federal Credit Union's TellerScore?

45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.