Valdosta Teachers
Valdosta, GA · Charter 12290 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
$13.2MAssets
$5.7MLoans
$11.3MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 1 of 24).
- Widest gap: nonperforming loans / loans trails 91% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 22 of 23).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.30%
Rank 21 of 24
Net Interest Margin
4.86%
Rank 1 of 24
Efficiency Ratio
80.89%
Rank 15 of 24
Equity / Assets
13.41%
Rank 14 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.41% | 0.67% | 1.12% | Beats 13% | 21 / 24 | | |
| Return on Equity | 2.26% | 2.16% | 5.02% | 6.69% | Beats 29% | 17 / 24 | | |
| Net Interest Margin | 4.86% | 3.10% | 3.61% | 4.01% | Beats 96% | 1 / 24 | | |
| Efficiency Ratio | 80.89% | 71.14% | 80.00% | 84.92% | Beats 42% | 15 / 24 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.29% | 0.07% | 0.54% | 1.38% | Beats 9% | 22 / 23 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.41% | 10.05% | 16.75% | 21.42% | Beats 42% | 14 / 24 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.41% | 10.05% | 16.75% | 21.42% | Beats 42% | 14 / 24 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.43% | 42.86% | 62.34% | 82.18% | 35th pctl | 15 / 23 | | |
| Loans / Assets | 43.30% | 32.11% | 55.16% | 70.89% | 38th pctl | 15 / 24 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |