HALE COUNTY TEACHERS
Charter #15297 · Plainview, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.62% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of -0.21% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.76% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.39% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th 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 | HALE COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.85M | 4th pct | 44th pct |
| Members | 1,408 | 21th pct | 57th pct |
| Net worth ratio | 10.62% | 23th pct | 25th pct |
| Return on average assets | -0.21% | 14th pct | 18th pct |
| Net interest margin | 2.76% | 10th pct | 8th pct |
| Cost of funds | 2.39% | 95th pct | 93th pct |
| Loan-to-share | 54.34% | 46th pct | 46th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 16th pct |
| Loan growth YoY | -5.44% | 28th pct | 41th pct |
| Share growth YoY | -0.88% | 20th pct | 31th pct |
| Efficiency ratio | 107.15% | 92th pct | 87th pct |
structural peer set hash: 222039f539548d84a15bb923510ee968… (reproducible)
Closest structural peers
This is the free public view
Claim HALE COUNTY TEACHERS
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.