CY-FAIR
Charter #11452 · Houston, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.50% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.56% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.97% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.02% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.34% ranks in the 13th 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 | CY-FAIR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $387.25M | 87th pct | 72th pct |
| Members | 25,878 | 90th pct | 74th pct |
| Net worth ratio | 9.31% | 18th pct | 26th pct |
| Return on average assets | 1.50% | 88th pct | 90th pct |
| Net interest margin | 4.56% | 91th pct | 95th pct |
| Cost of funds | 1.38% | 60th pct | 59th pct |
| Loan-to-share | 68.92% | 44th pct | 39th pct |
| Delinquency 60+ days | 0.97% | 75th pct | 80th pct |
| Net charge-off ratio | 1.02% | 89th pct | 87th pct |
| Loan growth YoY | -2.69% | 19th pct | 20th pct |
| Share growth YoY | 2.93% | 41th pct | 30th pct |
| Efficiency ratio | 65.34% | 16th pct | 13th pct |
structural peer set hash: b0187e4d9d3600f914753021ca69571e… (reproducible)
Closest structural peers
This is the free public view
Claim CY-FAIR
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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.