Teachers

Smithtown, NY · 1 · Charter #8116 · www.teachersfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.9B
99th percentile
Members
472,407
96th percentile
Total loans
$5.7B
95th percentile
Total shares
$8.1B
98th percentile

Profitability

Return on assets
1.18%
62th percentile
Net interest margin
2.83%
26th percentile
Efficiency ratio
38.15%
90th percentile
Non-interest income ratio
12.55%
13th percentile

Capital & Risk

Net worth ratio
10.58%
46th percentile
Delinquency rate
1.29%
15th percentile
Net charge-off rate
1.15%
9th percentile
Loan-to-share
70.49%
15th percentile

Growth

Member growth YoY
0.96%
35th percentile
Asset growth YoY
0.59%
14th percentile
Loan growth YoY
-6.09%
4th percentile
Share growth YoY
2.05%
20th percentile

Operations

Members / branch
14,315
91th percentile
Assets / member
$21,003
73th percentile
Field of membership penetration
0.14%
0th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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