TEACHERS
Charter #65774 · Oklahoma CIty, OK · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 31.07% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -3.06% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 6.35% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 7.72% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 49th — a 25-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 | TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.42M | 75th pct | 49th pct |
| Members | 1,287 | 91th pct | 69th pct |
| Net worth ratio | 31.07% | 87th pct | 75th pct |
| Return on average assets | -3.06% | 8th pct | 2th pct |
| Net interest margin | 6.35% | 93th pct | 95th pct |
| Cost of funds | 0.68% | 56th pct | 54th pct |
| Loan-to-share | 61.61% | 53th pct | 49th pct |
| Delinquency 60+ days | 0.60% | 44th pct | 33th pct |
| Net charge-off ratio | 7.72% | 97th pct | 90th pct |
| Loan growth YoY | -14.29% | 15th pct | 7th pct |
| Share growth YoY | -2.12% | 33th pct | 30th pct |
| Efficiency ratio | 97.32% | 68th pct | 69th pct |
structural peer set hash: 1449f5c4c928fd7b78b993a7e8acc65e… (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.