COOPERATIVE TEACHERS
Charter #67576 · Tyler, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.86% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.41% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 96.06% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 51st — a 37-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 | COOPERATIVE TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $92.80M | 88th pct | 51th pct |
| Members | 4,416 | 36th pct | 34th pct |
| Net worth ratio | 7.86% | 3th pct | 11th pct |
| Return on average assets | 0.17% | 20th pct | 34th pct |
| Net interest margin | 3.59% | 43th pct | 51th pct |
| Cost of funds | 1.75% | 87th pct | 72th pct |
| Loan-to-share | 77.13% | 80th pct | 54th pct |
| Delinquency 60+ days | 1.41% | 84th pct | 79th pct |
| Net charge-off ratio | 0.40% | 64th pct | 67th pct |
| Loan growth YoY | -7.00% | 9th pct | 8th pct |
| Share growth YoY | 0.06% | 18th pct | 36th pct |
| Efficiency ratio | 96.06% | 91th pct | 87th pct |
structural peer set hash: 9e87a3ba9a5ef2f4a743f60e026b6805… (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.