FARMERS BRANCH CITY EMPLOYEES
Charter #20303 · FARMERS BRANCH, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.04% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 5.62% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 25th — a 36-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 | FARMERS BRANCH CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.10M | 60th pct | 25th pct |
| Members | 813 | 71th pct | 39th pct |
| Net worth ratio | 20.41% | 60th pct | 51th pct |
| Return on average assets | 1.04% | 73th pct | 75th pct |
| Net interest margin | 3.95% | 47th pct | 54th pct |
| Cost of funds | 1.22% | 72th pct | 72th pct |
| Loan-to-share | 44.36% | 34th pct | 44th pct |
| Delinquency 60+ days | 5.62% | 88th pct | 92th pct |
| Net charge-off ratio | 0.50% | 82th pct | 72th pct |
| Loan growth YoY | -5.15% | 51th pct | 57th pct |
| Share growth YoY | 3.92% | 76th pct | 79th pct |
| Efficiency ratio | 68.55% | 24th pct | 28th pct |
structural peer set hash: 7c70ea204fe150e40eae830dc29ee432… (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.