VALDOSTA TEACHERS
Charter #12290 · Valdosta, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.71% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 4.96% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.40% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.38% sits at the 75th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 74th — a 15-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 | VALDOSTA TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.03M | 13th pct | 18th pct |
| Members | 2,355 | 59th pct | 74th pct |
| Net worth ratio | 13.26% | 47th pct | 48th pct |
| Return on average assets | -0.71% | 8th pct | 8th pct |
| Net interest margin | 4.96% | 90th pct | 89th pct |
| Cost of funds | 0.40% | 26th pct | 23th pct |
| Loan-to-share | 51.08% | 40th pct | 48th pct |
| Delinquency 60+ days | 1.38% | 76th pct | 75th pct |
| Net charge-off ratio | 0.45% | 69th pct | 72th pct |
| Loan growth YoY | -7.23% | 17th pct | 21th pct |
| Share growth YoY | 1.10% | 36th pct | 28th pct |
| Efficiency ratio | 87.25% | 67th pct | 74th pct |
structural peer set hash: b764602c23760cf77bd8025516ac9a41… (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.