YONKERS TEACHERS
Charter #2819 · Yonkers, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.17% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 1.56% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 2.41% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.70% sits at the 92nd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 6th percentile but its structural peers at the 54th — a 48-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 | YONKERS TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $56.82M | 18th pct | 64th pct |
| Members | 2,602 | 6th pct | 54th pct |
| Net worth ratio | 15.14% | 70th pct | 62th pct |
| Return on average assets | 0.17% | 20th pct | 16th pct |
| Net interest margin | 1.56% | 1th pct | 15th pct |
| Cost of funds | 2.41% | 96th pct | 89th pct |
| Loan-to-share | 5.29% | 0th pct | 2th pct |
| Delinquency 60+ days | 1.32% | 81th pct | 69th pct |
| Net charge-off ratio | 2.70% | 99th pct | 92th pct |
| Loan growth YoY | -17.18% | 0th pct | 3th pct |
| Share growth YoY | -0.16% | 16th pct | 25th pct |
| Efficiency ratio | 82.45% | 58th pct | 67th pct |
structural peer set hash: a007896ecefdd2bcb6a8a4f1d88546a1… (reproducible)
Closest structural peers
This is the free public view
Claim YONKERS TEACHERS
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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.