4U
Charter #11067 · Gainesville, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,349 sits at the 11th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.09% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.20% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.18% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.02% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
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 | 4U | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $152.01M | 32th pct | 18th pct |
| Members | 7,349 | 14th pct | 11th pct |
| Net worth ratio | 9.09% | 15th pct | 16th pct |
| Return on average assets | 0.20% | 16th pct | 18th pct |
| Net interest margin | 3.18% | 22th pct | 15th pct |
| Cost of funds | 1.53% | 68th pct | 52th pct |
| Loan-to-share | 88.07% | 86th pct | 75th pct |
| Delinquency 60+ days | 0.02% | 1th pct | 2th pct |
| Net charge-off ratio | -0.02% | 3th pct | 2th pct |
| Loan growth YoY | 10.17% | 98th pct | 93th pct |
| Share growth YoY | 5.57% | 77th pct | 69th pct |
| Efficiency ratio | 94.74% | 94th pct | 95th pct |
structural peer set hash: 87cc1bd3291ffea41837c68bd2b7dadc… (reproducible)
Closest structural peers
This is the free public view
Claim 4U
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.