NAFT
Charter #10994 · Pharr, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 12,072 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 17.04% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.72% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.53% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 77th — a 45-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 | NAFT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $152.10M | 32th pct | 77th pct |
| Members | 12,072 | 44th pct | 82th pct |
| Net worth ratio | 17.04% | 93th pct | 75th pct |
| Return on average assets | 1.72% | 93th pct | 90th pct |
| Net interest margin | 3.65% | 50th pct | 46th pct |
| Cost of funds | 0.80% | 29th pct | 54th pct |
| Loan-to-share | 53.27% | 15th pct | 41th pct |
| Delinquency 60+ days | 0.36% | 27th pct | 30th pct |
| Net charge-off ratio | 0.32% | 46th pct | 57th pct |
| Loan growth YoY | 2.70% | 73th pct | 85th pct |
| Share growth YoY | 2.83% | 40th pct | 34th pct |
| Efficiency ratio | 66.53% | 18th pct | 16th pct |
structural peer set hash: e97ef28ee92d4b3f424eb05426b5a4a1… (reproducible)
Closest structural peers
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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.