TEXAS TECH
Charter #12858 · Lubbock, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 36,472 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.31% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 2.03% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.75% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 72nd — a 23-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 | TEXAS TECH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $447.02M | 95th pct | 72th pct |
| Members | 36,472 | 98th pct | 77th pct |
| Net worth ratio | 10.55% | 36th pct | 36th pct |
| Return on average assets | 0.52% | 37th pct | 31th pct |
| Net interest margin | 3.31% | 30th pct | 21th pct |
| Cost of funds | 2.03% | 89th pct | 95th pct |
| Loan-to-share | 80.77% | 70th pct | 57th pct |
| Delinquency 60+ days | 0.28% | 20th pct | 26th pct |
| Net charge-off ratio | 0.45% | 60th pct | 51th pct |
| Loan growth YoY | 2.28% | 69th pct | 59th pct |
| Share growth YoY | 3.01% | 43th pct | 41th pct |
| Efficiency ratio | 88.75% | 82th pct | 89th pct |
structural peer set hash: a9e7093e6842c8dbb8b4c9765f95be9c… (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.