HOUSTON
Charter #14091 · Sugar Land, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.52% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.35% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 52nd — a 43-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 | HOUSTON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $961.82M | 95th pct | 52th pct |
| Members | 60,128 | 88th pct | 56th pct |
| Net worth ratio | 9.77% | 38th pct | 36th pct |
| Return on average assets | 0.43% | 31th pct | 31th pct |
| Net interest margin | 3.19% | 29th pct | 33th pct |
| Cost of funds | 2.52% | 93th pct | 98th pct |
| Loan-to-share | 61.06% | 12th pct | 23th pct |
| Delinquency 60+ days | 0.35% | 26th pct | 18th pct |
| Net charge-off ratio | 0.69% | 73th pct | 57th pct |
| Loan growth YoY | -2.21% | 16th pct | 21th pct |
| Share growth YoY | 2.07% | 23th pct | 28th pct |
| Efficiency ratio | 80.38% | 60th pct | 70th pct |
structural peer set hash: 399053cb4da8187858b571a0211fdf72… (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.