FAITH COOPERATIVE
Charter #12859 · Dallas, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 3.96% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.25% sits at the 7th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 34.82% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 66th — a 24-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 | FAITH COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.33M | 33th pct | 23th pct |
| Members | 996 | 82th pct | 74th pct |
| Net worth ratio | 26.11% | 78th pct | 70th pct |
| Return on average assets | 3.96% | 98th pct | 97th pct |
| Net interest margin | 3.25% | 26th pct | 7th pct |
| Cost of funds | 0.34% | 41th pct | 26th pct |
| Loan-to-share | 93.75% | 90th pct | 66th pct |
| Delinquency 60+ days | 1.37% | 60th pct | 54th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | -10.82% | 25th pct | 15th pct |
| Share growth YoY | -5.55% | 15th pct | 15th pct |
| Efficiency ratio | 34.82% | 4th pct | 0th pct |
structural peer set hash: bae665512fb86da8ee6512bb6e8725ea… (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.