BORDER
Charter #24304 · Del Rio, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,636 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 17.43% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.26% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.49% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.57% ranks in the 25th 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 | BORDER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $268.63M | 68th pct | 56th pct |
| Members | 27,636 | 91th pct | 85th pct |
| Net worth ratio | 17.43% | 94th pct | 89th pct |
| Return on average assets | 1.26% | 81th pct | 79th pct |
| Net interest margin | 4.49% | 89th pct | 89th pct |
| Cost of funds | 0.57% | 22th pct | 25th pct |
| Loan-to-share | 77.75% | 62th pct | 61th pct |
| Delinquency 60+ days | 0.67% | 55th pct | 75th pct |
| Net charge-off ratio | 0.52% | 66th pct | 74th pct |
| Loan growth YoY | 2.40% | 70th pct | 75th pct |
| Share growth YoY | 6.24% | 82th pct | 85th pct |
| Efficiency ratio | 78.19% | 48th pct | 52th pct |
structural peer set hash: 75eed7905528ced9fec1e9296253aa58… (reproducible)
Closest structural peers
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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.