CHOCOLATE BAYOU COMMUNITY
Charter #15143 · Alvin, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.85% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.20% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.39% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
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 | CHOCOLATE BAYOU COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $156.93M | 34th pct | 44th pct |
| Members | 11,827 | 43th pct | 51th pct |
| Net worth ratio | 12.85% | 68th pct | 77th pct |
| Return on average assets | 1.20% | 79th pct | 79th pct |
| Net interest margin | 3.71% | 54th pct | 48th pct |
| Cost of funds | 0.39% | 15th pct | 20th pct |
| Loan-to-share | 58.78% | 25th pct | 38th pct |
| Delinquency 60+ days | 0.56% | 45th pct | 51th pct |
| Net charge-off ratio | 0.06% | 13th pct | 5th pct |
| Loan growth YoY | -4.21% | 9th pct | 7th pct |
| Share growth YoY | 3.89% | 56th pct | 49th pct |
| Efficiency ratio | 76.89% | 43th pct | 49th pct |
structural peer set hash: f6925ea7eb43eb55b8816615d3e34b78… (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.