BELTON
Charter #15565 · Belton, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.44% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.78% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.05% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 111.91% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 26th — a 26-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 | BELTON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.27M | 52th pct | 26th pct |
| Members | 803 | 70th pct | 52th pct |
| Net worth ratio | 15.20% | 40th pct | 52th pct |
| Return on average assets | -1.44% | 13th pct | 8th pct |
| Net interest margin | 4.09% | 52th pct | 54th pct |
| Cost of funds | 0.73% | 57th pct | 49th pct |
| Loan-to-share | 44.54% | 35th pct | 48th pct |
| Delinquency 60+ days | 3.78% | 82th pct | 85th pct |
| Net charge-off ratio | -0.05% | 16th pct | 20th pct |
| Loan growth YoY | -13.78% | 17th pct | 15th pct |
| Share growth YoY | 3.32% | 72th pct | 64th pct |
| Efficiency ratio | 111.91% | 82th pct | 87th pct |
structural peer set hash: 2257c02593cf415ec4bc1d9acf3bf959… (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.