FRIO COUNTY
Charter #20267 · Pearsall, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,668 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 37.23% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -3.22% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 7.68% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.27% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | FRIO COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.34M | 63th pct | 52th pct |
| Members | 1,668 | 95th pct | 89th pct |
| Net worth ratio | 37.23% | 92th pct | 85th pct |
| Return on average assets | -3.22% | 7th pct | 3th pct |
| Net interest margin | 7.68% | 98th pct | 89th pct |
| Cost of funds | 0.27% | 36th pct | 25th pct |
| Loan-to-share | 130.36% | 100th pct | 97th pct |
| Delinquency 60+ days | 1.26% | 57th pct | 49th pct |
| Net charge-off ratio | 3.98% | 95th pct | 93th pct |
| Loan growth YoY | -0.35% | 73th pct | 62th pct |
| Share growth YoY | 0.41% | 52th pct | 52th pct |
| Efficiency ratio | 99.31% | 71th pct | 77th pct |
structural peer set hash: bd81abf4c43c90259ccc0e98ce1deec4… (reproducible)
Closest structural peers
This is the free public view
Claim FRIO COUNTY
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.