ANDREWS SCHOOL
Charter #10739 · Andrews, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 28.60% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.31% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.13% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.40% 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 75th percentile but its structural peers at the 43rd — 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 | ANDREWS SCHOOL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.59M | 75th pct | 43th pct |
| Members | 813 | 71th pct | 39th pct |
| Net worth ratio | 28.60% | 83th pct | 82th pct |
| Return on average assets | 1.25% | 79th pct | 74th pct |
| Net interest margin | 4.31% | 58th pct | 80th pct |
| Cost of funds | 0.71% | 56th pct | 48th pct |
| Loan-to-share | 76.36% | 72th pct | 59th pct |
| Delinquency 60+ days | 3.13% | 79th pct | 90th pct |
| Net charge-off ratio | 0.40% | 80th pct | 79th pct |
| Loan growth YoY | -7.90% | 36th pct | 30th pct |
| Share growth YoY | -3.04% | 27th pct | 21th pct |
| Efficiency ratio | 71.56% | 26th pct | 31th pct |
structural peer set hash: 5090d5d0327c5f9113df0ff1fffc72d4… (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.