VIDOR TEACHERS
Charter #21368 · Vidor, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 476 sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.79% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.22% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 13th — a 31-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 | VIDOR TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.31M | 44th pct | 13th pct |
| Members | 476 | 41th pct | 18th pct |
| Net worth ratio | 15.76% | 42th pct | 57th pct |
| Return on average assets | 0.47% | 52th pct | 41th pct |
| Net interest margin | 2.79% | 17th pct | 11th pct |
| Cost of funds | 2.22% | 91th pct | 85th pct |
| Loan-to-share | 80.27% | 78th pct | 57th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.08% | 74th pct | 74th pct |
| Loan growth YoY | -0.30% | 73th pct | 69th pct |
| Share growth YoY | 0.38% | 52th pct | 23th pct |
| Efficiency ratio | 83.10% | 45th pct | 61th pct |
structural peer set hash: 159edfa096491dedb55073a293fea99e… (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.