Central Texas Teachers

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$14.1M

51^th percentile

Members

1,519

53^th percentile

Total loans

$9.1M

62^th percentile

Total shares

$11.8M

52^th percentile

Profitability

Return on assets

0.43%

32^th percentile

Net interest margin

3.70%

39^th percentile

Efficiency ratio

61.82%

61^th percentile

Non-interest income ratio

1.52%

17^th percentile

Capital & Risk

Net worth ratio

15.78%

55^th percentile

Delinquency rate

0.00%

100^th percentile

Net charge-off rate

0.00%

90^th percentile

Loan-to-share

76.94%

72^th percentile

Growth

Member growth YoY

-1.81%

45^th percentile

Asset growth YoY

-0.22%

40^th percentile

Loan growth YoY

-2.36%

53^th percentile

Share growth YoY

-0.90%

41^th percentile

Operations

Members / branch

1,519

65^th percentile

Assets / member

$9,265

51^th percentile

Field of membership penetration

43.90%

60^th percentile

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