BILOXI TEACHERS
Charter #16699 · Biloxi, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,047 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 1.55% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.72% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.34% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 52.75% ranks in the 3rd 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 | BILOXI TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.81M | 9th pct | 36th pct |
| Members | 1,047 | 7th pct | 25th pct |
| Net worth ratio | 11.97% | 36th pct | 41th pct |
| Return on average assets | 1.55% | 87th pct | 84th pct |
| Net interest margin | 2.97% | 15th pct | 31th pct |
| Cost of funds | 1.72% | 83th pct | 87th pct |
| Loan-to-share | 37.89% | 18th pct | 28th pct |
| Delinquency 60+ days | 0.06% | 16th pct | 26th pct |
| Net charge-off ratio | 0.34% | 64th pct | 75th pct |
| Loan growth YoY | -4.37% | 35th pct | 49th pct |
| Share growth YoY | 2.50% | 50th pct | 48th pct |
| Efficiency ratio | 52.75% | 5th pct | 3th pct |
structural peer set hash: da209f979939a95bfdf4b6c8c1174711… (reproducible)
Closest structural peers
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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.