FORT SMITH TEACHERS
Charter #1248 · FORT SMITH, AR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 23.69% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 54th — a 42-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 | FORT SMITH TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.89M | 12th pct | 54th pct |
| Members | 1,419 | 22th pct | 62th pct |
| Net worth ratio | 23.69% | 93th pct | 77th pct |
| Return on average assets | 0.67% | 51th pct | 43th pct |
| Net interest margin | 3.72% | 44th pct | 52th pct |
| Cost of funds | 0.47% | 31th pct | 36th pct |
| Loan-to-share | 43.61% | 26th pct | 30th pct |
| Delinquency 60+ days | 0.39% | 41th pct | 57th pct |
| Net charge-off ratio | 0.00% | 23th pct | 20th pct |
| Loan growth YoY | -8.31% | 12th pct | 34th pct |
| Share growth YoY | 0.65% | 32th pct | 44th pct |
| Efficiency ratio | 61.69% | 13th pct | 26th pct |
structural peer set hash: 40cd2f291097c562c1766d1725e43736… (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.