MORRIS SHEPPARD TEXARKANA
Charter #1 · TEXARKANA, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,251 sits at the 11th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 31st — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MORRIS SHEPPARD TEXARKANA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.38M | 14th pct | 21th pct |
| Members | 1,251 | 14th pct | 11th pct |
| Net worth ratio | 11.21% | 28th pct | 34th pct |
| Return on average assets | 0.95% | 66th pct | 67th pct |
| Net interest margin | 4.04% | 59th pct | 31th pct |
| Cost of funds | 1.71% | 83th pct | 69th pct |
| Loan-to-share | 76.90% | 80th pct | 61th pct |
| Delinquency 60+ days | 0.51% | 46th pct | 41th pct |
| Net charge-off ratio | 0.19% | 56th pct | 41th pct |
| Loan growth YoY | 3.58% | 89th pct | 84th pct |
| Share growth YoY | 5.79% | 79th pct | 77th pct |
| Efficiency ratio | 78.52% | 45th pct | 51th pct |
structural peer set hash: f17098dd9c621c0df5ba4f709410d53c… (reproducible)
Closest structural peers
This is the free public view
Claim MORRIS SHEPPARD TEXARKANA
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.