MOPAC EMPLOYEES
Charter #1129 · Palestine, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.56% sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.42% sits at the 77th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 33rd — a 20-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 | MOPAC EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.54M | 43th pct | 44th pct |
| Members | 2,429 | 61th pct | 52th pct |
| Net worth ratio | 9.56% | 15th pct | 18th pct |
| Return on average assets | 0.25% | 29th pct | 28th pct |
| Net interest margin | 3.61% | 39th pct | 30th pct |
| Cost of funds | 0.89% | 53th pct | 33th pct |
| Loan-to-share | 93.36% | 96th pct | 93th pct |
| Delinquency 60+ days | 0.60% | 50th pct | 48th pct |
| Net charge-off ratio | 0.42% | 68th pct | 77th pct |
| Loan growth YoY | 1.98% | 82th pct | 64th pct |
| Share growth YoY | 7.81% | 90th pct | 87th pct |
| Efficiency ratio | 89.41% | 72th pct | 74th pct |
structural peer set hash: 1a9bf464025cdd275e40da433d117d9c… (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.