Cooperative Teachers
Tyler, TX · Charter 67576 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$93.8MAssets
$62.4MLoans
$83.4MShares
$7.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 46% of credit unions under $1B in assets in TX (rank 128 of 235).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets in TX (rank 230 of 235).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.30%
Rank 156 of 235
Net Interest Margin
3.53%
Rank 152 of 235
Efficiency Ratio
92.68%
Rank 181 of 235
Equity / Assets
7.88%
Rank 230 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.17% | 0.57% | 1.10% | Beats 34% | 156 / 235 | | |
| Return on Equity | 3.81% | 1.03% | 4.30% | 7.58% | Beats 46% | 128 / 235 | | |
| Net Interest Margin | 3.53% | 3.32% | 3.89% | 4.35% | Beats 35% | 152 / 235 | | |
| Efficiency Ratio | 92.68% | 70.60% | 82.00% | 91.57% | Beats 23% | 181 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.31% | 0.20% | 0.59% | 1.14% | Beats 4% | 227 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.88% | 11.30% | 14.41% | 19.49% | Beats 2% | 230 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.88% | 11.30% | 14.41% | 19.49% | Beats 2% | 230 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.85% | 54.18% | 67.38% | 81.66% | 64th pctl | 84 / 235 | | |
| Loans / Assets | 66.50% | 43.80% | 56.63% | 68.64% | 73rd pctl | 64 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |