AMOCO
Charter #2441 · Texas City, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.04% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.30% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 3.21% sits at the 16th percentile of structural peers — worth a closer look.
- Efficiency ratio of 83.71% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 59th — a 28-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 | AMOCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.50B | 31th pct | 59th pct |
| Members | 96,998 | 39th pct | 59th pct |
| Net worth ratio | 9.04% | 14th pct | 16th pct |
| Return on average assets | 0.30% | 15th pct | 25th pct |
| Net interest margin | 3.21% | 41th pct | 16th pct |
| Cost of funds | 1.70% | 46th pct | 44th pct |
| Loan-to-share | 89.97% | 61th pct | 61th pct |
| Delinquency 60+ days | 0.48% | 35th pct | 26th pct |
| Net charge-off ratio | 0.82% | 76th pct | 64th pct |
| Loan growth YoY | 2.07% | 55th pct | 56th pct |
| Share growth YoY | 6.58% | 80th pct | 82th pct |
| Efficiency ratio | 83.71% | 88th pct | 82th pct |
structural peer set hash: 1df3b2e42f7971b5e0230a35b35880df… (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.