CENTRAL TEXAS TEACHERS
Charter #67425 · Corsicana, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.19% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.00% sits at the 11th 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 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 108.23% sits at the 92nd percentile of structural peers — worth a closer look.
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 | CENTRAL TEXAS TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.70M | 15th pct | 52th pct |
| Members | 1,533 | 26th pct | 57th pct |
| Net worth ratio | 16.16% | 67th pct | 57th pct |
| Return on average assets | -0.19% | 14th pct | 18th pct |
| Net interest margin | 3.00% | 17th pct | 11th pct |
| Cost of funds | 0.52% | 34th pct | 28th pct |
| Loan-to-share | 80.39% | 85th pct | 69th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 21th pct |
| Loan growth YoY | -0.76% | 64th pct | 59th pct |
| Share growth YoY | -2.33% | 11th pct | 20th pct |
| Efficiency ratio | 108.23% | 93th pct | 92th pct |
structural peer set hash: 6f95cb54092d4049c1f5922ea00b3704… (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.