LAREDO FIRE DEPARTMENT
Charter #12472 · Laredo, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.41% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 6.10% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 10th — a 22-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 | LAREDO FIRE DEPARTMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.58M | 19th pct | 8th pct |
| Members | 1,986 | 45th pct | 39th pct |
| Net worth ratio | 12.55% | 42th pct | 39th pct |
| Return on average assets | -0.41% | 11th pct | 15th pct |
| Net interest margin | 6.10% | 99th pct | 97th pct |
| Cost of funds | 1.43% | 76th pct | 67th pct |
| Loan-to-share | 94.06% | 97th pct | 89th pct |
| Delinquency 60+ days | 0.96% | 67th pct | 66th pct |
| Net charge-off ratio | -0.01% | 21th pct | 15th pct |
| Loan growth YoY | -4.74% | 32th pct | 10th pct |
| Share growth YoY | 0.93% | 35th pct | 43th pct |
| Efficiency ratio | 91.54% | 76th pct | 64th pct |
structural peer set hash: d2b3324f36ca86598126d7d4e501e555… (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.