TEACHERS
Charter #8116 · Smithtown, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 478,252 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.02% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.19% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.19% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 61.69% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 | $9.94B | 95th pct | 93th pct |
| Members | 478,252 | 93th pct | 90th pct |
| Net worth ratio | 10.81% | 52th pct | 57th pct |
| Return on average assets | 1.02% | 74th pct | 80th pct |
| Net interest margin | 3.05% | 32th pct | 61th pct |
| Cost of funds | 2.24% | 74th pct | 66th pct |
| Loan-to-share | 69.37% | 14th pct | 25th pct |
| Delinquency 60+ days | 1.19% | 86th pct | 79th pct |
| Net charge-off ratio | 1.19% | 91th pct | 93th pct |
| Loan growth YoY | 1.86% | 52th pct | 53th pct |
| Share growth YoY | 0.58% | 8th pct | 5th pct |
| Efficiency ratio | 61.69% | 15th pct | 11th pct |
structural peer set hash: c29bc724e4ede01d9f780df448314ff7… (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.