TEACHERS
Charter #66877 · Beloit, WI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 71.98% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 44th — a 33-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 | $37.59M | 77th pct | 44th pct |
| Members | 2,196 | 54th pct | 34th pct |
| Net worth ratio | 12.07% | 37th pct | 56th pct |
| Return on average assets | 0.99% | 68th pct | 69th pct |
| Net interest margin | 4.04% | 59th pct | 70th pct |
| Cost of funds | 0.71% | 44th pct | 49th pct |
| Loan-to-share | 53.06% | 43th pct | 46th pct |
| Delinquency 60+ days | 0.16% | 27th pct | 30th pct |
| Net charge-off ratio | 0.00% | 23th pct | 25th pct |
| Loan growth YoY | 0.27% | 72th pct | 75th pct |
| Share growth YoY | -3.18% | 7th pct | 8th pct |
| Efficiency ratio | 71.98% | 31th pct | 20th pct |
structural peer set hash: 1cb17f3c73476ecd0ef69f4e8ae33c82… (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.