ILA 28
Charter #19983 · Pasadena, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.98% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.79% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 95.88% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 33rd — a 31-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 | ILA 28 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.52M | 2th pct | 33th pct |
| Members | 1,044 | 6th pct | 26th pct |
| Net worth ratio | 20.98% | 88th pct | 75th pct |
| Return on average assets | 0.19% | 25th pct | 30th pct |
| Net interest margin | 4.44% | 76th pct | 61th pct |
| Cost of funds | 1.79% | 85th pct | 77th pct |
| Loan-to-share | 77.81% | 82th pct | 59th pct |
| Delinquency 60+ days | 0.55% | 48th pct | 57th pct |
| Net charge-off ratio | 0.00% | 23th pct | 20th pct |
| Loan growth YoY | 0.36% | 73th pct | 75th pct |
| Share growth YoY | 8.98% | 93th pct | 93th pct |
| Efficiency ratio | 95.88% | 84th pct | 80th pct |
structural peer set hash: 7101e1572700f5ce534cca50acefc4a6… (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.