WELLSPRING
Charter #12181 · Bridge City, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.80% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 0.96% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.67% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.49% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 71.82% ranks in the 7th 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 | WELLSPRING | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $91.56M | 86th pct | 51th pct |
| Members | 8,311 | 89th pct | 46th pct |
| Net worth ratio | 8.80% | 9th pct | 21th pct |
| Return on average assets | 0.96% | 64th pct | 85th pct |
| Net interest margin | 4.67% | 91th pct | 79th pct |
| Cost of funds | 1.30% | 71th pct | 64th pct |
| Loan-to-share | 80.79% | 84th pct | 64th pct |
| Delinquency 60+ days | 0.37% | 35th pct | 31th pct |
| Net charge-off ratio | 1.49% | 94th pct | 93th pct |
| Loan growth YoY | -2.13% | 43th pct | 28th pct |
| Share growth YoY | 2.42% | 45th pct | 48th pct |
| Efficiency ratio | 71.82% | 30th pct | 7th pct |
structural peer set hash: 895030454d2904979e0e6e4f5342a7a4… (reproducible)
Closest structural peers
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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.