S.T.E.C.
Charter #18816 · NURSERY, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.52% sits at the 15th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 39th — a 27-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 | S.T.E.C. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.56M | 67th pct | 39th pct |
| Members | 686 | 60th pct | 36th pct |
| Net worth ratio | 30.27% | 86th pct | 69th pct |
| Return on average assets | -0.52% | 22th pct | 15th pct |
| Net interest margin | 3.94% | 47th pct | 28th pct |
| Cost of funds | 0.28% | 38th pct | 28th pct |
| Loan-to-share | 98.91% | 93th pct | 79th pct |
| Delinquency 60+ days | 0.88% | 52th pct | 54th pct |
| Net charge-off ratio | 0.17% | 76th pct | 70th pct |
| Loan growth YoY | -10.88% | 24th pct | 3th pct |
| Share growth YoY | -2.06% | 33th pct | 31th pct |
| Efficiency ratio | 73.41% | 28th pct | 31th pct |
structural peer set hash: 6ee627f5a4be431fd7db2f8d5345cef7… (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.