WALKER COUNTY
Charter #12068 · Huntsville, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.06% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.65% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 31st — a 24-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 | WALKER COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $52.91M | 7th pct | 31th pct |
| Members | 5,049 | 51th pct | 57th pct |
| Net worth ratio | 16.54% | 80th pct | 67th pct |
| Return on average assets | 0.65% | 46th pct | 38th pct |
| Net interest margin | 5.06% | 96th pct | 95th pct |
| Cost of funds | 0.77% | 39th pct | 43th pct |
| Loan-to-share | 74.35% | 76th pct | 67th pct |
| Delinquency 60+ days | 0.75% | 58th pct | 72th pct |
| Net charge-off ratio | 0.65% | 79th pct | 93th pct |
| Loan growth YoY | -4.61% | 21th pct | 10th pct |
| Share growth YoY | 2.12% | 42th pct | 34th pct |
| Efficiency ratio | 73.73% | 33th pct | 38th pct |
structural peer set hash: 66bdde2a2015868ba76ccd2288144189… (reproducible)
Closest structural peers
This is the free public view
Claim WALKER COUNTY
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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.