WALTON COUNTY TEACHERS
Charter #14186 · DEFUNIAK SPRING, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- On Share growth YoY, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 72nd — a 17-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 | WALTON COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.27M | 62th pct | 52th pct |
| Members | 2,516 | 63th pct | 61th pct |
| Net worth ratio | 10.26% | 20th pct | 26th pct |
| Return on average assets | 1.02% | 69th pct | 66th pct |
| Net interest margin | 3.93% | 55th pct | 59th pct |
| Cost of funds | 0.50% | 32th pct | 43th pct |
| Loan-to-share | 50.21% | 38th pct | 48th pct |
| Delinquency 60+ days | 0.43% | 42th pct | 39th pct |
| Net charge-off ratio | 0.45% | 70th pct | 72th pct |
| Loan growth YoY | 0.47% | 74th pct | 74th pct |
| Share growth YoY | 7.49% | 89th pct | 72th pct |
| Efficiency ratio | 79.95% | 49th pct | 54th pct |
structural peer set hash: 321d58b0e078a8fc48f26694c57eb93c… (reproducible)
Closest structural peers
This is the free public view
Claim WALTON COUNTY 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.