NORTHEAST PANHANDLE TEACHERS
Charter #19171 · Perryton, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.36% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.21% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.24% sits at the 92nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 54th — a 25-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 PANHANDLE TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.85M | 41th pct | 62th pct |
| Members | 2,421 | 61th pct | 67th pct |
| Net worth ratio | 21.36% | 89th pct | 79th pct |
| Return on average assets | 0.88% | 62th pct | 44th pct |
| Net interest margin | 3.21% | 23th pct | 10th pct |
| Cost of funds | 2.24% | 94th pct | 92th pct |
| Loan-to-share | 75.94% | 79th pct | 54th pct |
| Delinquency 60+ days | 0.27% | 33th pct | 36th pct |
| Net charge-off ratio | 0.00% | 23th pct | 38th pct |
| Loan growth YoY | 0.93% | 77th pct | 74th pct |
| Share growth YoY | 0.73% | 33th pct | 39th pct |
| Efficiency ratio | 67.72% | 22th pct | 30th pct |
structural peer set hash: c47f86a62bac5b9800641e866be436e3… (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.