MCLENNAN COUNTY EMPLOYEES
Charter #10461 · Waco, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,340 sits at the 23rd percentile of structural peers — worth a closer look.
- Net worth ratio of 26.64% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.13% sits at the 11th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.25% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 54th — a 17-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 | MCLENNAN COUNTY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.69M | 37th pct | 54th pct |
| Members | 1,340 | 19th pct | 23th pct |
| Net worth ratio | 26.64% | 96th pct | 90th pct |
| Return on average assets | 0.13% | 23th pct | 11th pct |
| Net interest margin | 3.43% | 31th pct | 28th pct |
| Cost of funds | 1.12% | 63th pct | 70th pct |
| Loan-to-share | 45.94% | 29th pct | 38th pct |
| Delinquency 60+ days | 0.10% | 21th pct | 28th pct |
| Net charge-off ratio | 0.08% | 45th pct | 56th pct |
| Loan growth YoY | -2.82% | 47th pct | 57th pct |
| Share growth YoY | -2.20% | 12th pct | 18th pct |
| Efficiency ratio | 93.25% | 79th pct | 89th pct |
structural peer set hash: 74b7f5ffd8cc533c4ad364e4ce15ad4d… (reproducible)
Closest structural peers
This is the free public view
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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.