ROCKDALE
Charter #19926 · Rockdale, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.37% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.80% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.06% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 44th — 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 | ROCKDALE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $108.18M | 6th pct | 20th pct |
| Members | 8,211 | 20th pct | 44th pct |
| Net worth ratio | 11.28% | 47th pct | 48th pct |
| Return on average assets | 1.37% | 85th pct | 89th pct |
| Net interest margin | 3.80% | 59th pct | 82th pct |
| Cost of funds | 0.95% | 36th pct | 41th pct |
| Loan-to-share | 54.53% | 17th pct | 26th pct |
| Delinquency 60+ days | 0.06% | 4th pct | 15th pct |
| Net charge-off ratio | 0.02% | 9th pct | 26th pct |
| Loan growth YoY | 8.92% | 97th pct | 97th pct |
| Share growth YoY | 3.80% | 55th pct | 54th pct |
| Efficiency ratio | 71.33% | 27th pct | 26th pct |
structural peer set hash: 7be06ddbb36f7021eeeb9f9285dd9b07… (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.