Walton County Teachers

DEFUNIAK SPRING, FL · 1 · Charter #14186 · www.waltoncountyteachersfcu
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$28.6M
75th percentile
Members
2,522
77th percentile
Total loans
$13.6M
75th percentile
Total shares
$25.4M
77th percentile

Profitability

Return on assets
1.70%
84th percentile
Net interest margin
4.00%
51th percentile
Efficiency ratio
66.79%
49th percentile
Non-interest income ratio
30.49%
94th percentile

Capital & Risk

Net worth ratio
10.58%
20th percentile
Delinquency rate
0.96%
42th percentile
Net charge-off rate
0.26%
47th percentile
Loan-to-share
53.51%
40th percentile

Growth

Member growth YoY
-2.21%
41th percentile
Asset growth YoY
8.62%
89th percentile
Loan growth YoY
-3.12%
49th percentile
Share growth YoY
7.97%
87th percentile

Operations

Members / branch
2,522
87th percentile
Assets / member
$11,357
67th percentile
Field of membership penetration
36.03%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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