CREDIT HUMAN
Charter #24382 · San Antonio, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 263,451 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 7.27% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of 0.14% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.80% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 3.14% sits at the 90th 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 | CREDIT HUMAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.38B | 77th pct | 77th pct |
| Members | 263,451 | 80th pct | 77th pct |
| Net worth ratio | 7.27% | 0th pct | 0th pct |
| Return on average assets | 0.14% | 7th pct | 8th pct |
| Net interest margin | 3.80% | 80th pct | 85th pct |
| Cost of funds | 3.14% | 95th pct | 90th pct |
| Loan-to-share | 109.47% | 99th pct | 98th pct |
| Delinquency 60+ days | 1.06% | 81th pct | 77th pct |
| Net charge-off ratio | 0.68% | 64th pct | 75th pct |
| Loan growth YoY | -1.00% | 14th pct | 18th pct |
| Share growth YoY | -1.27% | 2th pct | 7th pct |
| Efficiency ratio | 82.46% | 85th pct | 77th pct |
structural peer set hash: 8ff1e846f8461f8e55b1b3b3fd39c829… (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.