REFUGIO COUNTY
Charter #12365 · Refugio, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.93% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 44th — a 26-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 | REFUGIO COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.24M | 18th pct | 44th pct |
| Members | 1,123 | 9th pct | 33th pct |
| Net worth ratio | 16.11% | 66th pct | 51th pct |
| Return on average assets | 0.75% | 55th pct | 48th pct |
| Net interest margin | 3.27% | 25th pct | 38th pct |
| Cost of funds | 1.93% | 88th pct | 90th pct |
| Loan-to-share | 42.51% | 24th pct | 31th pct |
| Delinquency 60+ days | 0.16% | 27th pct | 33th pct |
| Net charge-off ratio | 0.13% | 50th pct | 62th pct |
| Loan growth YoY | -4.03% | 38th pct | 54th pct |
| Share growth YoY | 7.93% | 91th pct | 85th pct |
| Efficiency ratio | 75.93% | 39th pct | 43th pct |
structural peer set hash: 5d8dc998bde45f6f5c962d079b0bae4f… (reproducible)
Closest structural peers
This is the free public view
Claim REFUGIO 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.