THE LOCAL
Charter #22747 · Dallas, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,006 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 7.68% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.45% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.28% sits at the 79th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 64th — a 26-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 | THE LOCAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.17M | 50th pct | 69th pct |
| Members | 4,006 | 91th pct | 87th pct |
| Net worth ratio | 21.95% | 90th pct | 64th pct |
| Return on average assets | 0.70% | 52th pct | 44th pct |
| Net interest margin | 7.68% | 100th pct | 98th pct |
| Cost of funds | 0.45% | 29th pct | 25th pct |
| Loan-to-share | 105.27% | 99th pct | 95th pct |
| Delinquency 60+ days | 1.26% | 74th pct | 69th pct |
| Net charge-off ratio | 0.31% | 62th pct | 74th pct |
| Loan growth YoY | -6.02% | 24th pct | 11th pct |
| Share growth YoY | 3.80% | 64th pct | 61th pct |
| Efficiency ratio | 92.28% | 77th pct | 79th pct |
structural peer set hash: 7aef5ccc2fb0edc4e737dcb343371da5… (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.