NORTHEAST TEXAS TEACHERS
Charter #14170 · Paris, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.32% sits at the 18th percentile of structural peers — worth a closer look.
- Efficiency ratio of 89.94% sits at the 89th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 89th — a 16-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 | NORTHEAST TEXAS TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.88M | 70th pct | 59th pct |
| Members | 2,168 | 53th pct | 52th pct |
| Net worth ratio | 13.95% | 52th pct | 54th pct |
| Return on average assets | 0.32% | 32th pct | 18th pct |
| Net interest margin | 3.04% | 18th pct | 33th pct |
| Cost of funds | 0.63% | 40th pct | 54th pct |
| Loan-to-share | 20.05% | 3th pct | 11th pct |
| Delinquency 60+ days | 0.16% | 26th pct | 33th pct |
| Net charge-off ratio | 0.20% | 56th pct | 62th pct |
| Loan growth YoY | -9.02% | 10th pct | 21th pct |
| Share growth YoY | 4.23% | 68th pct | 74th pct |
| Efficiency ratio | 89.94% | 73th pct | 89th pct |
structural peer set hash: a1b09138127f121bb50e51eab723fc9d… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHEAST TEXAS TEACHERS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.