Northeast Texas Teachers

Paris, TX · 1 · Charter #14170 · www.nettfcu.com/
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
$33.0M
81th percentile
Members
2,185
71th percentile
Total loans
$6.0M
49th percentile
Total shares
$28.2M
81th percentile

Profitability

Return on assets
0.70%
44th percentile
Net interest margin
3.45%
32th percentile
Efficiency ratio
69.83%
43th percentile
Non-interest income ratio
7.41%
43th percentile

Capital & Risk

Net worth ratio
14.22%
45th percentile
Delinquency rate
0.96%
43th percentile
Net charge-off rate
0.34%
41th percentile
Loan-to-share
21.21%
6th percentile

Growth

Member growth YoY
-4.25%
22th percentile
Asset growth YoY
4.84%
73th percentile
Loan growth YoY
-19.99%
6th percentile
Share growth YoY
4.91%
75th percentile

Operations

Members / branch
728
34th percentile
Assets / member
$15,119
86th percentile
Field of membership penetration
33.11%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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