TEXASGULF
Charter #2322 · Wharton, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.14% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.00% 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 | TEXASGULF | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $221.47M | 57th pct | 56th pct |
| Members | 14,934 | 59th pct | 59th pct |
| Net worth ratio | 13.98% | 79th pct | 70th pct |
| Return on average assets | 0.78% | 56th pct | 44th pct |
| Net interest margin | 3.14% | 20th pct | 10th pct |
| Cost of funds | 2.00% | 88th pct | 93th pct |
| Loan-to-share | 70.37% | 47th pct | 56th pct |
| Delinquency 60+ days | 0.49% | 41th pct | 52th pct |
| Net charge-off ratio | 0.30% | 44th pct | 54th pct |
| Loan growth YoY | 1.11% | 58th pct | 54th pct |
| Share growth YoY | 5.13% | 72th pct | 79th pct |
| Efficiency ratio | 71.88% | 28th pct | 30th pct |
structural peer set hash: 241043f4fd5e851e96ee51ec736f224f… (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.