ELLIS COUNTY TEACHERS AND EMPLOYEES
Charter #12266 · WAXAHACHIE, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.40% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.00% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.09% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 52.24% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 | ELLIS COUNTY TEACHERS AND EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.39M | 32th pct | 49th pct |
| Members | 2,224 | 55th pct | 59th pct |
| Net worth ratio | 19.83% | 84th pct | 69th pct |
| Return on average assets | 1.67% | 89th pct | 72th pct |
| Net interest margin | 3.40% | 30th pct | 23th pct |
| Cost of funds | 2.00% | 90th pct | 92th pct |
| Loan-to-share | 50.62% | 39th pct | 51th pct |
| Delinquency 60+ days | 0.00% | 10th pct | 10th pct |
| Net charge-off ratio | -0.09% | 10th pct | 8th pct |
| Loan growth YoY | -5.60% | 26th pct | 31th pct |
| Share growth YoY | 2.53% | 50th pct | 49th pct |
| Efficiency ratio | 52.24% | 4th pct | 11th pct |
structural peer set hash: 6e01c8c5a2b9c7ea88bd8ad830dd4c8b… (reproducible)
Closest structural peers
This is the free public view
Claim ELLIS COUNTY TEACHERS AND EMPLOYEES
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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.