FANNIN
Charter #17254 · BONHAM, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.49% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.49% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 49.75% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 70th — a 20-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 | FANNIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $79.54M | 68th pct | 72th pct |
| Members | 6,717 | 76th pct | 64th pct |
| Net worth ratio | 19.97% | 90th pct | 70th pct |
| Return on average assets | 2.49% | 99th pct | 93th pct |
| Net interest margin | 4.15% | 74th pct | 59th pct |
| Cost of funds | 1.49% | 80th pct | 80th pct |
| Loan-to-share | 64.82% | 56th pct | 51th pct |
| Delinquency 60+ days | 0.26% | 25th pct | 30th pct |
| Net charge-off ratio | 0.34% | 60th pct | 62th pct |
| Loan growth YoY | -1.57% | 50th pct | 44th pct |
| Share growth YoY | 1.64% | 37th pct | 18th pct |
| Efficiency ratio | 49.75% | 4th pct | 8th pct |
structural peer set hash: 7bd615ad68a4952b169d00c9bcb33b94… (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.