STARR COUNTY TEACHERS
Charter #18559 · Rio Grande City, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,581 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.71% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.07% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 72nd — a 23-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 | STARR COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.15M | 95th pct | 72th pct |
| Members | 4,581 | 95th pct | 84th pct |
| Net worth ratio | 16.90% | 71th pct | 70th pct |
| Return on average assets | 1.71% | 90th pct | 82th pct |
| Net interest margin | 4.07% | 61th pct | 82th pct |
| Cost of funds | 0.51% | 33th pct | 46th pct |
| Loan-to-share | 23.86% | 5th pct | 13th pct |
| Delinquency 60+ days | 0.43% | 43th pct | 44th pct |
| Net charge-off ratio | 0.13% | 51th pct | 51th pct |
| Loan growth YoY | -3.19% | 44th pct | 57th pct |
| Share growth YoY | 3.47% | 61th pct | 48th pct |
| Efficiency ratio | 66.00% | 19th pct | 30th pct |
structural peer set hash: 48f583145bf1bd7a7a8cd90f3736c0f5… (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.