BAKER HUGHES
Charter #16271 · Houston, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.83% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 3.29% sits at the 25th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 122.04% sits at the 97th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 46th — a 25-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 | BAKER HUGHES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.57M | 7th pct | 11th pct |
| Members | 1,457 | 23th pct | 26th pct |
| Net worth ratio | 12.56% | 42th pct | 30th pct |
| Return on average assets | -0.83% | 7th pct | 7th pct |
| Net interest margin | 3.29% | 26th pct | 25th pct |
| Cost of funds | 0.30% | 21th pct | 46th pct |
| Loan-to-share | 15.41% | 1th pct | 2th pct |
| Delinquency 60+ days | 0.77% | 59th pct | 60th pct |
| Net charge-off ratio | 0.00% | 23th pct | 20th pct |
| Loan growth YoY | -20.68% | 0th pct | 0th pct |
| Share growth YoY | -4.36% | 4th pct | 7th pct |
| Efficiency ratio | 122.04% | 98th pct | 97th pct |
structural peer set hash: 6d9a4b4f400ea4ad8dd097613f0e74ca… (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.