TOBACCO VALLEY TEACHERS
Charter #1077 · Enfield, CT · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.37% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of -0.24% sits at the 10th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 34th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TOBACCO VALLEY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $71.28M | 50th pct | 56th pct |
| Members | 3,194 | 13th pct | 34th pct |
| Net worth ratio | 9.37% | 14th pct | 18th pct |
| Return on average assets | -0.24% | 9th pct | 10th pct |
| Net interest margin | 3.02% | 17th pct | 31th pct |
| Cost of funds | 0.89% | 48th pct | 59th pct |
| Loan-to-share | 24.25% | 2th pct | 13th pct |
| Delinquency 60+ days | 0.55% | 45th pct | 44th pct |
| Net charge-off ratio | 0.40% | 64th pct | 72th pct |
| Loan growth YoY | -5.51% | 15th pct | 30th pct |
| Share growth YoY | 7.99% | 91th pct | 95th pct |
| Efficiency ratio | 84.35% | 64th pct | 54th pct |
structural peer set hash: 61a5c4e9a1ab52e47ac2c6f234ff8761… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.