ONE SOURCE
Charter #2115 · EL PASO, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.27% sits at the 2nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.52% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 106.17% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 43rd — 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 | ONE SOURCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $125.10M | 16th pct | 43th pct |
| Members | 10,823 | 37th pct | 49th pct |
| Net worth ratio | 10.35% | 32th pct | 31th pct |
| Return on average assets | -0.27% | 4th pct | 2th pct |
| Net interest margin | 3.70% | 53th pct | 38th pct |
| Cost of funds | 1.01% | 39th pct | 52th pct |
| Loan-to-share | 64.68% | 35th pct | 43th pct |
| Delinquency 60+ days | 0.37% | 28th pct | 34th pct |
| Net charge-off ratio | 1.52% | 96th pct | 93th pct |
| Loan growth YoY | -6.11% | 4th pct | 8th pct |
| Share growth YoY | 1.67% | 24th pct | 15th pct |
| Efficiency ratio | 106.17% | 98th pct | 98th pct |
structural peer set hash: 935ba535a188cc2bf6dd1753216d5f7b… (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.