Independence Teachers

Independence, MO · 2 · Charter #62620 · www.isdschools.org/staff/em
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
$16.1M
55th percentile
Members
1,883
63th percentile
Total loans
$4.6M
41th percentile
Total shares
$13.6M
56th percentile

Profitability

Return on assets
1.41%
76th percentile
Net interest margin
2.94%
18th percentile
Efficiency ratio
37.50%
94th percentile
Non-interest income ratio
0.43%
10th percentile

Capital & Risk

Net worth ratio
15.40%
53th percentile
Delinquency rate
0.29%
66th percentile
Net charge-off rate
0.65%
26th percentile
Loan-to-share
33.94%
15th percentile

Growth

Member growth YoY
-0.58%
60th percentile
Asset growth YoY
1.27%
51th percentile
Loan growth YoY
-16.72%
9th percentile
Share growth YoY
0.15%
48th percentile

Operations

Members / branch
1,883
75th percentile
Assets / member
$8,534
44th percentile
Field of membership penetration
75.32%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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