Teachers
Beloit, WI · Charter 66877 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$37.6MAssets
$17.8MLoans
$32.9MShares
$4.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of credit unions under $1B in assets (rank 302 of 1682).
- Widest gap: equity / assets trails 57% of credit unions under $1B in assets (rank 957 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.85%
Rank 733 of 1,683
Net Interest Margin
4.14%
Rank 562 of 1,683
Efficiency Ratio
75.77%
Rank 711 of 1,682
Equity / Assets
12.23%
Rank 957 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.35% | 0.74% | 1.18% | Beats 56% | 733 / 1,683 | | |
| Return on Equity | 6.95% | 2.67% | 5.89% | 8.74% | Beats 61% | 662 / 1,681 | | |
| Net Interest Margin | 4.14% | 3.31% | 3.82% | 4.32% | Beats 67% | 562 / 1,683 | | |
| Efficiency Ratio | 75.77% | 68.91% | 78.20% | 86.93% | Beats 58% | 711 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.26% | 0.65% | 1.29% | Beats 82% | 302 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.23% | 10.44% | 12.89% | 16.53% | Beats 43% | 957 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.23% | 10.44% | 12.89% | 16.53% | Beats 43% | 957 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.94% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,237 / 1,683 | | |
| Loans / Assets | 47.20% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,194 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |