INDEPENDENCE TEACHERS
Charter #62620 | MO
<100M
(2596 CUs)
Micro
($0-$500M)
60 <100M in MO
INDEPENDENCE TEACHERS has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 6.6% in tier
- + Efficiency Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,876
-1.2% YoY-0.2% QoQ
|
-749 |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
49th in tier |
| Assets |
$16.4M
-0.5% YoY-1.1% QoQ
|
$-13.5M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
43rd in tier |
| Loans |
$5.0M
-11.1% YoY+0.8% QoQ
|
$-10.8M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
34th in tier |
| Deposits |
$13.9M
-2.0% YoY-1.7% QoQ
|
$-11.6M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
44th in tier |
| ROA |
1.1%
+34.8% YoY+9.7% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
67th in tier |
| NIM |
2.9%
+13.4% YoY+0.8% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.7% in tier |
| Efficiency Ratio |
52.3%
-4.2% YoY-0.6% QoQ
|
-29.1% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate |
0.7%
+27412.1% YoY-41.1% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
50th in tier |
| Loan To Share |
35.8%
-9.3% YoY+2.5% QoQ
|
-25.5% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.8% in tier |
| AMR |
$10,059
-3.4% YoY-0.8% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
29th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
172
Members Per Employee (MPE)
engagement
Value:
625.333
Peer Avg: 365.701
#172 of 2596
Top 6.6% in <100M tier
195
Efficiency Ratio
profitability
Value:
52.29%
Peer Avg: 81.39%
#195 of 2596
Top 7.5% in <100M tier
Top Weaknesses (6 metrics)
2362
Fee Income Per Member
profitability
Value:
$1.55
Peer Avg: $182.96
#2362 of 2596
Bottom 9.1% in <100M tier
2214
Net Interest Margin (NIM)
profitability
Value:
2.88%
Peer Avg: 3.93%
#2214 of 2596
Bottom 14.8% in <100M tier
2207
Loan-to-Share Ratio
balance_sheet
Value:
35.76%
Peer Avg: 61.23%
#2207 of 2596
Bottom 15.0% in <100M tier
2117
Loan Growth Rate
growth
Value:
-11.08%
Peer Avg: 59.01%
#2117 of 2596
Bottom 18.5% in <100M tier
2085
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,650
Peer Avg: $5,488
#2085 of 2596
Bottom 19.7% in <100M tier
2005
AMR Growth Rate
growth
Value:
-3.39%
Peer Avg: 4.67%
#2005 of 2596
Bottom 22.8% in <100M tier