COMMUNITY & TEACHERS
Charter #24730 · East Providence, RI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,541 sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.41% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 63rd percentile but its structural peers at the 23rd — 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 | COMMUNITY & TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.81M | 63th pct | 23th pct |
| Members | 1,541 | 26th pct | 16th pct |
| Net worth ratio | 11.33% | 29th pct | 51th pct |
| Return on average assets | 0.63% | 49th pct | 57th pct |
| Net interest margin | 3.46% | 32th pct | 54th pct |
| Cost of funds | 0.41% | 27th pct | 18th pct |
| Loan-to-share | 70.33% | 70th pct | 44th pct |
| Delinquency 60+ days | 0.91% | 65th pct | 72th pct |
| Net charge-off ratio | 0.00% | 23th pct | 25th pct |
| Loan growth YoY | -3.12% | 44th pct | 39th pct |
| Share growth YoY | -0.40% | 23th pct | 28th pct |
| Efficiency ratio | 82.99% | 57th pct | 49th pct |
structural peer set hash: fafcd047d97c3e01e9dad9b4de93c554… (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.