MONROE COUNTY TEACHERS
Charter #7039 · Key West, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.45% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of -2.05% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 2.76% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.84% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.13% sits at the 75th 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 | MONROE COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.12M | 49th pct | 75th pct |
| Members | 2,045 | 47th pct | 57th pct |
| Net worth ratio | 9.45% | 14th pct | 13th pct |
| Return on average assets | -2.05% | 3th pct | 7th pct |
| Net interest margin | 2.76% | 10th pct | 8th pct |
| Cost of funds | 2.84% | 98th pct | 95th pct |
| Loan-to-share | 73.56% | 75th pct | 67th pct |
| Delinquency 60+ days | 1.13% | 71th pct | 75th pct |
| Net charge-off ratio | 1.55% | 92th pct | 90th pct |
| Loan growth YoY | -11.30% | 5th pct | 7th pct |
| Share growth YoY | -7.18% | 2th pct | 10th pct |
| Efficiency ratio | 122.07% | 98th pct | 93th pct |
structural peer set hash: ffeb056ce081f4057b4ceb2dba33fd4f… (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.