UNIVERSITY
Charter #1367 · AUSTIN, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 422,795 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.10% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.22% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 69th — a 20-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 | UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.27B | 76th pct | 70th pct |
| Members | 422,795 | 92th pct | 89th pct |
| Net worth ratio | 9.52% | 22th pct | 33th pct |
| Return on average assets | 0.79% | 56th pct | 59th pct |
| Net interest margin | 4.10% | 91th pct | 77th pct |
| Cost of funds | 1.22% | 27th pct | 23th pct |
| Loan-to-share | 85.52% | 47th pct | 38th pct |
| Delinquency 60+ days | 1.02% | 79th pct | 74th pct |
| Net charge-off ratio | 1.11% | 88th pct | 69th pct |
| Loan growth YoY | -2.70% | 5th pct | 5th pct |
| Share growth YoY | 3.42% | 37th pct | 33th pct |
| Efficiency ratio | 71.51% | 45th pct | 51th pct |
structural peer set hash: 7a74391e5064a76a95fc7141c4ac725f… (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.