UNION FIDELITY
Charter #15049 · Houston, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,943 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.65% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.27% sits at the 79th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 59th — a 23-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 | UNION FIDELITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.11M | 57th pct | 56th pct |
| Members | 5,943 | 99th pct | 89th pct |
| Net worth ratio | 19.75% | 84th pct | 74th pct |
| Return on average assets | 1.25% | 78th pct | 70th pct |
| Net interest margin | 5.65% | 97th pct | 97th pct |
| Cost of funds | 0.69% | 43th pct | 33th pct |
| Loan-to-share | 77.97% | 82th pct | 59th pct |
| Delinquency 60+ days | 1.27% | 74th pct | 79th pct |
| Net charge-off ratio | 0.30% | 62th pct | 70th pct |
| Loan growth YoY | 8.14% | 97th pct | 97th pct |
| Share growth YoY | 5.69% | 78th pct | 82th pct |
| Efficiency ratio | 78.45% | 45th pct | 51th pct |
structural peer set hash: 3030ab329f75940c0aa4a9ef2cc7ef89… (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.