FANNIN COUNTY TEACHERS
Charter #19741 · BONHAM, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.07% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.05% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 59th — a 40-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 | FANNIN COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.91M | 99th pct | 59th pct |
| Members | 1,105 | 86th pct | 64th pct |
| Net worth ratio | 28.58% | 82th pct | 67th pct |
| Return on average assets | 0.92% | 69th pct | 69th pct |
| Net interest margin | 4.16% | 54th pct | 39th pct |
| Cost of funds | 2.07% | 89th pct | 82th pct |
| Loan-to-share | 110.83% | 97th pct | 89th pct |
| Delinquency 60+ days | 2.05% | 69th pct | 77th pct |
| Net charge-off ratio | 0.24% | 78th pct | 69th pct |
| Loan growth YoY | -0.96% | 70th pct | 51th pct |
| Share growth YoY | -8.63% | 9th pct | 7th pct |
| Efficiency ratio | 77.45% | 35th pct | 39th pct |
structural peer set hash: b1398397bbc4541ecfae51fe73ca467e… (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.