INDEPENDENCE TEACHERS
Charter #62620 · Independence, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.73% sits at the 13th 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.
- Net charge-off ratio of 0.88% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.96% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 56th — a 30-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 | INDEPENDENCE TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.62M | 26th pct | 56th pct |
| Members | 1,870 | 41th pct | 52th pct |
| Net worth ratio | 15.12% | 61th pct | 43th pct |
| Return on average assets | 0.93% | 65th pct | 52th pct |
| Net interest margin | 2.73% | 10th pct | 13th pct |
| Cost of funds | 1.39% | 75th pct | 70th pct |
| Loan-to-share | 31.78% | 11th pct | 18th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.88% | 83th pct | 95th pct |
| Loan growth YoY | -9.99% | 7th pct | 15th pct |
| Share growth YoY | 1.29% | 38th pct | 28th pct |
| Efficiency ratio | 58.96% | 10th pct | 18th pct |
structural peer set hash: 6c3d0c495752607640c35331eff204eb… (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.