ST. LUKE'S COMMUNITY
Charter #23525 · Houston, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 301 sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 2.02% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.36% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 4.52% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 | ST. LUKE'S COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.89M | 28th pct | 13th pct |
| Members | 301 | 25th pct | 16th pct |
| Net worth ratio | 11.60% | 20th pct | 34th pct |
| Return on average assets | 0.74% | 62th pct | 57th pct |
| Net interest margin | 2.02% | 7th pct | 8th pct |
| Cost of funds | 2.36% | 92th pct | 93th pct |
| Loan-to-share | 35.69% | 25th pct | 30th pct |
| Delinquency 60+ days | 4.52% | 85th pct | 85th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | 17.24% | 95th pct | 95th pct |
| Share growth YoY | 10.41% | 94th pct | 90th pct |
| Efficiency ratio | 37.68% | 5th pct | 0th pct |
structural peer set hash: 65b984e835c7546bdcf680a52c4567b9… (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.