TEXAS COMMUNITY
Charter #1879 · KINGSVILLE, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.63% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 5.05% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.03% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.47% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.60% sits at the 84th percentile of structural peers — worth a closer look.
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 | TEXAS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.09M | 64th pct | 56th pct |
| Members | 2,880 | 72th pct | 52th pct |
| Net worth ratio | 13.26% | 47th pct | 46th pct |
| Return on average assets | -0.63% | 9th pct | 7th pct |
| Net interest margin | 5.05% | 92th pct | 90th pct |
| Cost of funds | 2.03% | 91th pct | 77th pct |
| Loan-to-share | 81.37% | 85th pct | 66th pct |
| Delinquency 60+ days | 1.47% | 78th pct | 79th pct |
| Net charge-off ratio | 0.60% | 75th pct | 84th pct |
| Loan growth YoY | 10.19% | 98th pct | 97th pct |
| Share growth YoY | 14.13% | 99th pct | 95th pct |
| Efficiency ratio | 70.75% | 28th pct | 30th pct |
structural peer set hash: a06bf9d36e8c00961c08255702c03769… (reproducible)
Closest structural peers
This is the free public view
Claim TEXAS COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.