CAPROCK
Charter #16813 · LAMESA, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,325 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.03% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.93% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.59% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 59th — 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 | CAPROCK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.03M | 85th pct | 75th pct |
| Members | 4,325 | 93th pct | 77th pct |
| Net worth ratio | 11.36% | 30th pct | 44th pct |
| Return on average assets | 0.03% | 19th pct | 21th pct |
| Net interest margin | 4.30% | 71th pct | 48th pct |
| Cost of funds | 1.93% | 89th pct | 77th pct |
| Loan-to-share | 80.33% | 85th pct | 59th pct |
| Delinquency 60+ days | 1.22% | 73th pct | 72th pct |
| Net charge-off ratio | 0.24% | 59th pct | 41th pct |
| Loan growth YoY | -0.98% | 63th pct | 38th pct |
| Share growth YoY | 4.53% | 70th pct | 61th pct |
| Efficiency ratio | 95.59% | 84th pct | 82th pct |
structural peer set hash: 309157e71226c2fa3f0b9aea0758687a… (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.