EMPLOYEES UNITED
Charter #21904 · Paris, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 32.87% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.16% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 57th — a 47-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 | EMPLOYEES UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.23M | 10th pct | 57th pct |
| Members | 1,151 | 10th pct | 49th pct |
| Net worth ratio | 32.87% | 99th pct | 87th pct |
| Return on average assets | 1.11% | 72th pct | 66th pct |
| Net interest margin | 4.16% | 65th pct | 75th pct |
| Cost of funds | 0.58% | 37th pct | 39th pct |
| Loan-to-share | 34.51% | 14th pct | 21th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.11% | 49th pct | 61th pct |
| Loan growth YoY | -4.99% | 31th pct | 52th pct |
| Share growth YoY | -1.09% | 18th pct | 34th pct |
| Efficiency ratio | 73.97% | 35th pct | 43th pct |
structural peer set hash: b243665f88b714bb153b873c473d8c5f… (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.