Teachers
Smithtown, NY · Charter 8116 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 32 branches
Q2 2026
$9.9BAssets
$5.8BLoans
$8.2BShares
$1.1BNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 84% of credit unions $1B-$10B in assets (rank 71 of 435).
- Widest gap: nonperforming loans / loans trails 81% of credit unions $1B-$10B in assets (rank 352 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.89%
Rank 183 of 435
Net Interest Margin
3.12%
Rank 296 of 435
Efficiency Ratio
61.00%
Rank 71 of 435
Equity / Assets
11.03%
Rank 199 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.55% | 0.81% | 1.14% | Beats 58% | 183 / 435 | | |
| Return on Equity | 8.04% | 5.12% | 7.41% | 9.70% | Beats 56% | 191 / 435 | | |
| Net Interest Margin | 3.12% | 3.01% | 3.39% | 3.75% | Beats 32% | 296 / 435 | | |
| Efficiency Ratio | 61.00% | 65.25% | 71.39% | 77.86% | Beats 84% | 71 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.19% | 0.45% | 0.69% | 1.05% | Beats 19% | 352 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.03% | 9.81% | 10.84% | 12.63% | Beats 54% | 199 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.03% | 9.81% | 10.84% | 12.63% | Beats 54% | 199 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.91% | 78.33% | 88.38% | 95.61% | 15th pctl | 370 / 435 | | |
| Loans / Assets | 58.78% | 67.69% | 74.58% | 80.80% | 13th pctl | 378 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |