PLAINS
Charter #12274 · Plainview, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 423 sits at the 15th percentile of structural peers — worth a closer look.
- Efficiency ratio of 98.15% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 20th — a 30-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 | PLAINS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.92M | 49th pct | 20th pct |
| Members | 423 | 37th pct | 15th pct |
| Net worth ratio | 14.84% | 37th pct | 59th pct |
| Return on average assets | 0.08% | 36th pct | 26th pct |
| Net interest margin | 4.29% | 57th pct | 67th pct |
| Cost of funds | 1.67% | 82th pct | 64th pct |
| Loan-to-share | 79.34% | 76th pct | 64th pct |
| Delinquency 60+ days | 0.06% | 30th pct | 33th pct |
| Net charge-off ratio | 0.00% | 22th pct | 30th pct |
| Loan growth YoY | 1.64% | 79th pct | 79th pct |
| Share growth YoY | 4.40% | 79th pct | 75th pct |
| Efficiency ratio | 98.15% | 69th pct | 77th pct |
structural peer set hash: 1beea72af2dd52c51282865d0f823e33… (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.