BROWNSVILLE CITY EMPLOYEES
Charter #20392 · BROWNSVILLE, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,420 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 32.04% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.68% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.72% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 51st — 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 | BROWNSVILLE CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.81M | 78th pct | 51th pct |
| Members | 1,420 | 92th pct | 80th pct |
| Net worth ratio | 32.04% | 88th pct | 77th pct |
| Return on average assets | 0.27% | 45th pct | 41th pct |
| Net interest margin | 4.68% | 69th pct | 77th pct |
| Cost of funds | 0.57% | 53th pct | 43th pct |
| Loan-to-share | 51.88% | 42th pct | 46th pct |
| Delinquency 60+ days | 0.77% | 49th pct | 49th pct |
| Net charge-off ratio | 1.72% | 90th pct | 79th pct |
| Loan growth YoY | -8.44% | 34th pct | 30th pct |
| Share growth YoY | -3.97% | 22th pct | 10th pct |
| Efficiency ratio | 81.13% | 42th pct | 44th pct |
structural peer set hash: 97b5c1489c6962465e22cabc6a0a454f… (reproducible)
Closest structural peers
This is the free public view
Claim BROWNSVILLE CITY EMPLOYEES
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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.