YANTIS
Charter #10502 · YANTIS, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Efficiency ratio of 91.45% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 25th — a 33-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 | YANTIS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.54M | 58th pct | 25th pct |
| Members | 1,856 | 41th pct | 34th pct |
| Net worth ratio | 13.46% | 49th pct | 67th pct |
| Return on average assets | 0.31% | 31th pct | 26th pct |
| Net interest margin | 3.15% | 20th pct | 38th pct |
| Cost of funds | 1.42% | 76th pct | 62th pct |
| Loan-to-share | 64.67% | 61th pct | 51th pct |
| Delinquency 60+ days | 0.09% | 21th pct | 28th pct |
| Net charge-off ratio | 0.14% | 51th pct | 67th pct |
| Loan growth YoY | 1.88% | 82th pct | 72th pct |
| Share growth YoY | 3.94% | 65th pct | 67th pct |
| Efficiency ratio | 91.45% | 76th pct | 79th pct |
structural peer set hash: 94ef169e63c147787f098173a9987c78… (reproducible)
Closest structural peers
This is the free public view
Claim YANTIS
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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.