HEREFORD TEXAS
Charter #1401 · Hereford, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.46% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.09% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 38th — a 34-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 | HEREFORD TEXAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $76.59M | 60th pct | 67th pct |
| Members | 8,279 | 89th pct | 72th pct |
| Net worth ratio | 21.46% | 93th pct | 85th pct |
| Return on average assets | 0.82% | 57th pct | 33th pct |
| Net interest margin | 4.10% | 72th pct | 38th pct |
| Cost of funds | 1.54% | 82th pct | 72th pct |
| Loan-to-share | 71.27% | 70th pct | 48th pct |
| Delinquency 60+ days | 0.68% | 54th pct | 54th pct |
| Net charge-off ratio | 0.09% | 32th pct | 20th pct |
| Loan growth YoY | 0.01% | 65th pct | 57th pct |
| Share growth YoY | 6.79% | 86th pct | 75th pct |
| Efficiency ratio | 81.24% | 54th pct | 74th pct |
structural peer set hash: 4e2150d0f961429f2431cc16025eba85… (reproducible)
Closest structural peers
This is the free public view
Claim HEREFORD TEXAS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.