NSPIRE
Charter #11721 · Sinton, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.90% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 3.27% sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.07% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.54% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 67th — a 17-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 | NSPIRE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.18M | 61th pct | 75th pct |
| Members | 2,562 | 64th pct | 64th pct |
| Net worth ratio | 13.05% | 45th pct | 31th pct |
| Return on average assets | -0.90% | 7th pct | 7th pct |
| Net interest margin | 3.27% | 25th pct | 18th pct |
| Cost of funds | 1.58% | 80th pct | 74th pct |
| Loan-to-share | 79.77% | 84th pct | 67th pct |
| Delinquency 60+ days | 0.76% | 59th pct | 61th pct |
| Net charge-off ratio | 1.07% | 87th pct | 87th pct |
| Loan growth YoY | -15.10% | 1th pct | 0th pct |
| Share growth YoY | 4.86% | 73th pct | 62th pct |
| Efficiency ratio | 95.54% | 83th pct | 75th pct |
structural peer set hash: d4ae7defffa6aaee369113d699ffa8f2… (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.