GREATER CENTRAL TEXAS
Charter #11995 · KILLEEN, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.86% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.80% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.08% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 15th 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 | GREATER CENTRAL TEXAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.62M | 71th pct | 34th pct |
| Members | 1,914 | 43th pct | 30th pct |
| Net worth ratio | 10.96% | 26th pct | 44th pct |
| Return on average assets | 0.86% | 62th pct | 77th pct |
| Net interest margin | 3.80% | 47th pct | 84th pct |
| Cost of funds | 0.13% | 9th pct | 5th pct |
| Loan-to-share | 26.81% | 7th pct | 15th pct |
| Delinquency 60+ days | 0.08% | 20th pct | 21th pct |
| Net charge-off ratio | -0.03% | 16th pct | 15th pct |
| Loan growth YoY | -0.18% | 69th pct | 77th pct |
| Share growth YoY | -0.58% | 22th pct | 21th pct |
| Efficiency ratio | 76.35% | 40th pct | 36th pct |
structural peer set hash: b0cb00bd5ca0c3dfebb01b89ad58ae01… (reproducible)
Closest structural peers
This is the free public view
Claim GREATER CENTRAL TEXAS
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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.