Teachers Federal Credit Union
Total assets
$9.94B
▲ +0.5% YoY
Shares & deposits
$8.26B
▼ -0.7% YoY
Loans
$5.73B
▼ -4.5% YoY
Members
478,252
▲ +1.1% YoY
ROA (annualized)
1.02%
peers 0.71%
ROE (annualized)
9.41%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +5.1% | -4.6 pts |
| Share growth (YoY) | -0.7% | +4.9% | -5.6 pts |
| Loan growth (YoY) | -4.5% | +5.4% | -10.0 pts |
| ROA | 1.02% | 0.71% | +0.3 pts |
| ROE | 9.4% | 6.3% | +3.1 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 9005, Smithtown, NY, 11787
- NCUA charter #
- 8116
- RSSD ID
- 491783
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.94B | $8.26B | $5.73B | $1.07B | $25.3M | 1.02% | 3.05% | 1.19% | 478,252 |
| Q4 2025 | $9.92B | $8.21B | $5.74B | $1.05B | $81.7M | 0.82% | 2.83% | 1.29% | 472,407 |
| Q3 2025 | $9.90B | $8.21B | $5.62B | $1.06B | $70.6M | 0.95% | 2.79% | 1.21% | 484,208 |
| Q2 2025 | $9.88B | $8.24B | $5.70B | $1.04B | $48.9M | 0.99% | 2.76% | 1.24% | 476,519 |
| Q1 2025 | $9.89B | $8.32B | $6.00B | $1.00B | $13.4M | 0.54% | 2.71% | 0.98% | 472,861 |
| Q4 2024 | $9.86B | $8.22B | $6.11B | $989.7M | $48.5M | 0.49% | 2.60% | 1.27% | 467,898 |
| Q3 2024 | $9.82B | $7.91B | $6.29B | $984.9M | $21.2M | 0.29% | 2.50% | 1.08% | 476,608 |
| Q2 2024 | $9.84B | $8.03B | $6.32B | $974.7M | $11.0M | 0.22% | 2.41% | 1.13% | 469,549 |
Loan mix (Q1 2026): real estate $3.19B · commercial $455.8M · consumer $1.00B · securities $3.08B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.71% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 6.3% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.32% | 34th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 73.0% | 14th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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