Walton County Teachers
Defuniak Spring, FL · Charter 14186 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$30.1MAssets
$13.9MLoans
$26.6MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 98% of credit unions under $1B in assets (rank 42 of 1681).
- Widest gap: equity / assets trails 70% of credit unions under $1B in assets (rank 1177 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.67%
Rank 174 of 1,683
Net Interest Margin
3.94%
Rank 728 of 1,683
Efficiency Ratio
72.19%
Rank 543 of 1,682
Equity / Assets
10.89%
Rank 1,177 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.35% | 0.74% | 1.18% | Beats 90% | 174 / 1,683 | | |
| Return on Equity | 15.30% | 2.67% | 5.89% | 8.74% | Beats 98% | 42 / 1,681 | | |
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 728 / 1,683 | | |
| Efficiency Ratio | 72.19% | 68.91% | 78.20% | 86.93% | Beats 68% | 543 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.26% | 0.65% | 1.29% | Beats 63% | 631 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.89% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,177 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.89% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,177 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.12% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,275 / 1,683 | | |
| Loans / Assets | 45.99% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,231 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |