Knox County Teachers

Knoxville, TN · 1 · Charter #10676 · www.kctfcu.org
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
$33.9M
82th percentile
Members
2,138
69th percentile
Total loans
$20.7M
90th percentile
Total shares
$28.6M
82th percentile

Profitability

Return on assets
1.55%
80th percentile
Net interest margin
4.06%
53th percentile
Efficiency ratio
62.17%
60th percentile
Non-interest income ratio
3.86%
28th percentile

Capital & Risk

Net worth ratio
15.04%
51th percentile
Delinquency rate
0.49%
58th percentile
Net charge-off rate
0.28%
45th percentile
Loan-to-share
72.30%
66th percentile

Growth

Member growth YoY
-1.11%
53th percentile
Asset growth YoY
1.17%
50th percentile
Loan growth YoY
0.75%
66th percentile
Share growth YoY
-0.58%
43th percentile

Operations

Members / branch
1,069
49th percentile
Assets / member
$15,842
88th percentile
Field of membership penetration
42.76%
58th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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