SWEETWATER REGIONAL
Charter #11377 · Sweetwater, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.54% sits at the 11th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 110.97% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 41st — a 34-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 | SWEETWATER REGIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.55M | 75th pct | 41th pct |
| Members | 812 | 71th pct | 38th pct |
| Net worth ratio | 19.88% | 59th pct | 67th pct |
| Return on average assets | -0.54% | 22th pct | 11th pct |
| Net interest margin | 4.16% | 54th pct | 64th pct |
| Cost of funds | 0.48% | 48th pct | 33th pct |
| Loan-to-share | 53.27% | 44th pct | 41th pct |
| Delinquency 60+ days | 0.57% | 43th pct | 49th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | -6.04% | 45th pct | 43th pct |
| Share growth YoY | 1.65% | 62th pct | 59th pct |
| Efficiency ratio | 110.97% | 82th pct | 89th pct |
structural peer set hash: 3e1c6533918b5b318626247d700378a3… (reproducible)
Closest structural peers
This is the free public view
Claim SWEETWATER REGIONAL
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.