HEART O' TEXAS
Charter #11032 · Waco, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.37% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -0.14% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.32% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.15% sits at the 84th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 31st — a 30-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 | HEART O' TEXAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $54.63M | 12th pct | 26th pct |
| Members | 4,434 | 37th pct | 26th pct |
| Net worth ratio | 7.37% | 1th pct | 2th pct |
| Return on average assets | -0.14% | 12th pct | 10th pct |
| Net interest margin | 3.92% | 61th pct | 31th pct |
| Cost of funds | 1.02% | 57th pct | 52th pct |
| Loan-to-share | 82.58% | 86th pct | 64th pct |
| Delinquency 60+ days | 0.32% | 30th pct | 20th pct |
| Net charge-off ratio | 0.27% | 52th pct | 38th pct |
| Loan growth YoY | -1.09% | 54th pct | 39th pct |
| Share growth YoY | -1.58% | 8th pct | 10th pct |
| Efficiency ratio | 93.15% | 87th pct | 84th pct |
structural peer set hash: f1dbaa445df4d021eaefc9b3d33c180d… (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.