TEXHILLCO SCHOOL EMPLOYEES
Charter #11576 · Kerrville, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,827 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.70% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -0.31% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 5.32% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.72% sits at the 89th percentile of structural peers — worth a closer look.
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 | TEXHILLCO SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.06M | 54th pct | 38th pct |
| Members | 1,827 | 39th pct | 15th pct |
| Net worth ratio | 9.70% | 16th pct | 20th pct |
| Return on average assets | -0.31% | 13th pct | 11th pct |
| Net interest margin | 5.32% | 95th pct | 92th pct |
| Cost of funds | 1.72% | 83th pct | 89th pct |
| Loan-to-share | 91.37% | 95th pct | 89th pct |
| Delinquency 60+ days | 0.37% | 40th pct | 33th pct |
| Net charge-off ratio | 0.84% | 82th pct | 82th pct |
| Loan growth YoY | 2.45% | 84th pct | 72th pct |
| Share growth YoY | 0.94% | 35th pct | 28th pct |
| Efficiency ratio | 100.14% | 89th pct | 95th pct |
structural peer set hash: cb01c89091e56859797d1e2bea600f72… (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.