CLEVELAND-BRADLEY CTY TEACHER
Charter #14677 · CLEVELAND, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.61% sits at the 10th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.82% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.80% ranks in the 15th 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 | CLEVELAND-BRADLEY CTY TEACHER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $73.45M | 54th pct | 59th pct |
| Members | 4,360 | 36th pct | 44th pct |
| Net worth ratio | 12.68% | 48th pct | 57th pct |
| Return on average assets | 0.88% | 60th pct | 59th pct |
| Net interest margin | 2.61% | 6th pct | 10th pct |
| Cost of funds | 1.11% | 62th pct | 67th pct |
| Loan-to-share | 37.04% | 10th pct | 16th pct |
| Delinquency 60+ days | 0.65% | 51th pct | 59th pct |
| Net charge-off ratio | 0.82% | 85th pct | 90th pct |
| Loan growth YoY | -6.89% | 10th pct | 10th pct |
| Share growth YoY | -0.41% | 14th pct | 10th pct |
| Efficiency ratio | 64.80% | 17th pct | 15th pct |
structural peer set hash: 581dd38d7f70f35c286d4dbfa663e8f8… (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.