H E B
Charter #15650 · San Antonio, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.08% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.36% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.14% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 23rd — a 36-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 | H E B | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $218.15M | 56th pct | 59th pct |
| Members | 12,144 | 45th pct | 61th pct |
| Net worth ratio | 18.08% | 95th pct | 90th pct |
| Return on average assets | 0.94% | 66th pct | 52th pct |
| Net interest margin | 3.92% | 68th pct | 72th pct |
| Cost of funds | 1.36% | 59th pct | 23th pct |
| Loan-to-share | 87.71% | 85th pct | 56th pct |
| Delinquency 60+ days | 0.14% | 9th pct | 15th pct |
| Net charge-off ratio | 0.11% | 20th pct | 44th pct |
| Loan growth YoY | -0.78% | 38th pct | 20th pct |
| Share growth YoY | 4.47% | 64th pct | 69th pct |
| Efficiency ratio | 80.95% | 59th pct | 67th pct |
structural peer set hash: 4ffc86f33e943f0128a0d7b8ad741a79… (reproducible)
Closest structural peers
This is the free public view
Claim H E B
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.