MID-TEX
Charter #24454 · BROWNWOOD, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.98% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 1.01% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.48% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 59th — a 20-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 | MID-TEX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.89M | 76th pct | 62th pct |
| Members | 3,197 | 80th pct | 59th pct |
| Net worth ratio | 8.98% | 10th pct | 16th pct |
| Return on average assets | 1.01% | 68th pct | 79th pct |
| Net interest margin | 4.48% | 78th pct | 79th pct |
| Cost of funds | 0.50% | 33th pct | 38th pct |
| Loan-to-share | 62.24% | 58th pct | 44th pct |
| Delinquency 60+ days | 1.05% | 70th pct | 74th pct |
| Net charge-off ratio | 0.00% | 23th pct | 16th pct |
| Loan growth YoY | 2.44% | 84th pct | 74th pct |
| Share growth YoY | 2.42% | 49th pct | 49th pct |
| Efficiency ratio | 83.99% | 59th pct | 51th pct |
structural peer set hash: 2b61951496ae18913e16b6f2dc231cc0… (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.