Northeast Panhandle Teachers

Perryton, TX · 1 · Charter #19171 · www.nptfcu.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
$21.8M
65th percentile
Members
2,432
76th percentile
Total loans
$13.0M
74th percentile
Total shares
$17.1M
63th percentile

Profitability

Return on assets
1.14%
66th percentile
Net interest margin
3.21%
24th percentile
Efficiency ratio
41.95%
91th percentile
Non-interest income ratio
1.08%
14th percentile

Capital & Risk

Net worth ratio
21.20%
78th percentile
Delinquency rate
0.16%
74th percentile
Net charge-off rate
0.15%
55th percentile
Loan-to-share
75.94%
71th percentile

Growth

Member growth YoY
-3.80%
26th percentile
Asset growth YoY
1.06%
50th percentile
Loan growth YoY
2.82%
72th percentile
Share growth YoY
0.25%
48th percentile

Operations

Members / branch
2,432
86th percentile
Assets / member
$8,960
47th percentile
Field of membership penetration
60.80%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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