LAREDO
Charter #11011 · Laredo, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 18,088 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.25% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.23% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 49th — a 25-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 | LAREDO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $135.90M | 24th pct | 49th pct |
| Members | 18,088 | 70th pct | 77th pct |
| Net worth ratio | 11.15% | 45th pct | 43th pct |
| Return on average assets | 0.64% | 45th pct | 46th pct |
| Net interest margin | 4.25% | 83th pct | 89th pct |
| Cost of funds | 0.23% | 10th pct | 13th pct |
| Loan-to-share | 62.71% | 31th pct | 39th pct |
| Delinquency 60+ days | 0.29% | 22th pct | 39th pct |
| Net charge-off ratio | 0.46% | 61th pct | 59th pct |
| Loan growth YoY | 2.22% | 69th pct | 79th pct |
| Share growth YoY | 0.64% | 14th pct | 10th pct |
| Efficiency ratio | 83.05% | 66th pct | 66th pct |
structural peer set hash: f668403e03b7853867d8e57197f64b75… (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.