Berrien Teachers
Nashville, GA · Charter 14011 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$1.4MAssets
$464KLoans
$1.1MShares
$256KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets (rank 287 of 1683).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets (rank 1663 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.44%
Rank 1,192 of 1,683
Net Interest Margin
4.54%
Rank 313 of 1,683
Efficiency Ratio
87.88%
Rank 1,303 of 1,682
Equity / Assets
18.74%
Rank 287 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.44% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,192 / 1,683 | |
| Return on Equity | 2.34% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,304 / 1,681 | |
| Net Interest Margin | 4.54% | 3.31% | 3.82% | 4.32% | Beats 81% | 313 / 1,683 | |
| Efficiency Ratio | 87.88% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,303 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 7.54% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,663 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.74% | 10.44% | 12.89% | 16.53% | Beats 83% | 287 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.74% | 10.44% | 12.89% | 16.53% | Beats 83% | 287 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 42.18% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,461 / 1,683 | |
| Loans / Assets | 33.97% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,490 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |