RAIZ
Charter #1409 · EL PASO, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.86% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.00% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 6th percentile but its structural peers at the 39th — 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 | RAIZ | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.09B | 6th pct | 39th pct |
| Members | 79,277 | 27th pct | 51th pct |
| Net worth ratio | 9.97% | 32th pct | 44th pct |
| Return on average assets | 1.01% | 74th pct | 59th pct |
| Net interest margin | 3.81% | 80th pct | 62th pct |
| Cost of funds | 2.17% | 70th pct | 74th pct |
| Loan-to-share | 98.53% | 86th pct | 77th pct |
| Delinquency 60+ days | 0.86% | 72th pct | 79th pct |
| Net charge-off ratio | 1.00% | 83th pct | 80th pct |
| Loan growth YoY | -0.41% | 21th pct | 8th pct |
| Share growth YoY | -1.61% | 2th pct | 0th pct |
| Efficiency ratio | 77.56% | 69th pct | 69th pct |
structural peer set hash: 6d5a3c728087f77a517b67b8d0680846… (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.