MEMBERS TRUST OF THE SOUTHWEST
Charter #1584 · Houston, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.38% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 1.37% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.91% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.65% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.12% ranks in the 15th 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 | MEMBERS TRUST OF THE SOUTHWEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $267.45M | 68th pct | 57th pct |
| Members | 8,871 | 24th pct | 31th pct |
| Net worth ratio | 8.38% | 6th pct | 11th pct |
| Return on average assets | 1.37% | 85th pct | 92th pct |
| Net interest margin | 2.91% | 11th pct | 20th pct |
| Cost of funds | 2.65% | 98th pct | 93th pct |
| Loan-to-share | 86.67% | 82th pct | 51th pct |
| Delinquency 60+ days | 0.12% | 8th pct | 15th pct |
| Net charge-off ratio | 0.11% | 20th pct | 49th pct |
| Loan growth YoY | 9.10% | 97th pct | 98th pct |
| Share growth YoY | 5.32% | 74th pct | 62th pct |
| Efficiency ratio | 58.74% | 7th pct | 5th pct |
structural peer set hash: fbf5915b0bee808b29ce6793e48db337… (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.