GARDEN CITY TEACHERS
Charter #7662 · GARDEN CITY, KS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.82% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.71% sits at the 90th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 52nd — a 16-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 | GARDEN CITY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.22M | 24th pct | 33th pct |
| Members | 2,049 | 48th pct | 36th pct |
| Net worth ratio | 7.82% | 4th pct | 13th pct |
| Return on average assets | 0.09% | 22th pct | 28th pct |
| Net interest margin | 4.30% | 71th pct | 57th pct |
| Cost of funds | 1.02% | 60th pct | 56th pct |
| Loan-to-share | 60.03% | 54th pct | 39th pct |
| Delinquency 60+ days | 0.34% | 38th pct | 34th pct |
| Net charge-off ratio | 1.71% | 93th pct | 90th pct |
| Loan growth YoY | 0.32% | 73th pct | 74th pct |
| Share growth YoY | 11.62% | 97th pct | 92th pct |
| Efficiency ratio | 87.57% | 68th pct | 52th pct |
structural peer set hash: f47305b6a01234cf39c29f939b3da74c… (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.