BP
Charter #24445 · Houston, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,441 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 13.26% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.24% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.38% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.80% sits at the 82nd 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 | BP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $130.48M | 20th pct | 11th pct |
| Members | 6,441 | 8th pct | 20th pct |
| Net worth ratio | 13.26% | 71th pct | 77th pct |
| Return on average assets | 0.24% | 19th pct | 13th pct |
| Net interest margin | 3.11% | 19th pct | 30th pct |
| Cost of funds | 1.38% | 61th pct | 25th pct |
| Loan-to-share | 94.43% | 95th pct | 74th pct |
| Delinquency 60+ days | 0.37% | 28th pct | 38th pct |
| Net charge-off ratio | 0.22% | 34th pct | 64th pct |
| Loan growth YoY | -3.23% | 15th pct | 7th pct |
| Share growth YoY | 8.41% | 94th pct | 93th pct |
| Efficiency ratio | 89.80% | 85th pct | 82th pct |
structural peer set hash: 5ea2e303ea672be41ffeda871c9776ba… (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.