Springfield Teachers
Springfield, MA · Charter 61189 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 4 branches
Q4 2025
$159.5MAssets
$127.2MLoans
$133.1MShares
$11.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets (rank 441 of 1623).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1605 of 1624).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.14%
Rank 1,582 of 1,625
Net Interest Margin
2.65%
Rank 1,493 of 1,625
Efficiency Ratio
132.86%
Rank 1,600 of 1,622
Equity / Assets
7.00%
Rank 1,605 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.14% | 0.37% | 0.76% | 1.21% | Beats 3% | 1,582 / 1,625 | |
| Return on Equity | -16.31% | 2.80% | 6.06% | 8.96% | Beats 2% | 1,593 / 1,623 | |
| Net Interest Margin | 2.65% | 3.25% | 3.80% | 4.36% | Beats 8% | 1,493 / 1,625 | |
| Efficiency Ratio | 132.86% | 68.56% | 77.08% | 85.11% | Beats 1% | 1,600 / 1,622 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.28% | 0.70% | 1.35% | Beats 73% | 441 / 1,623 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.00% | 10.44% | 12.79% | 16.54% | Beats 1% | 1,606 / 1,625 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.00% | 10.44% | 12.79% | 16.54% | Beats 1% | 1,605 / 1,624 | |
| Liquidity & Funding |
| Loans / Deposits | 95.61% | 54.72% | 71.33% | 84.54% | 93rd pctl | 121 / 1,624 | |
| Loans / Assets | 79.75% | 46.04% | 60.45% | 71.73% | 91st pctl | 149 / 1,624 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |