NATURAL RESOURCES CONSERVATION SERV
Charter #2158 · Fort Worth, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 695 sits at the 11th percentile of structural peers — worth a closer look.
- Net worth ratio of 22.88% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.58% sits at the 8th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 123.41% sits at the 93rd percentile of structural peers — worth a closer look.
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 | NATURAL RESOURCES CONSERVATION SERV | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.27M | 63th pct | 7th pct |
| Members | 695 | 61th pct | 11th pct |
| Net worth ratio | 22.88% | 68th pct | 90th pct |
| Return on average assets | -1.58% | 12th pct | 8th pct |
| Net interest margin | 4.24% | 56th pct | 51th pct |
| Cost of funds | 0.31% | 40th pct | 38th pct |
| Loan-to-share | 44.85% | 35th pct | 46th pct |
| Delinquency 60+ days | 1.85% | 66th pct | 72th pct |
| Net charge-off ratio | -0.01% | 20th pct | 20th pct |
| Loan growth YoY | -8.45% | 34th pct | 26th pct |
| Share growth YoY | -14.38% | 3th pct | 2th pct |
| Efficiency ratio | 123.41% | 89th pct | 93th pct |
structural peer set hash: bf21db46396b907c348eb17f4483d721… (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.