IRVING CITY EMPLOYEES
Charter #24481 · Irving, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.94% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.05% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 55.80% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 28th — a 23-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 | IRVING CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $84.72M | 75th pct | 57th pct |
| Members | 5,045 | 51th pct | 28th pct |
| Net worth ratio | 11.43% | 34th pct | 41th pct |
| Return on average assets | 1.94% | 94th pct | 93th pct |
| Net interest margin | 3.92% | 62th pct | 56th pct |
| Cost of funds | 0.82% | 44th pct | 54th pct |
| Loan-to-share | 52.40% | 35th pct | 39th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 51th pct |
| Net charge-off ratio | 0.05% | 24th pct | 7th pct |
| Loan growth YoY | 1.20% | 72th pct | 61th pct |
| Share growth YoY | 5.82% | 80th pct | 82th pct |
| Efficiency ratio | 55.80% | 8th pct | 3th pct |
structural peer set hash: 5623e2ecf97f3247c6c3633c5aa22dd4… (reproducible)
Closest structural peers
This is the free public view
Claim IRVING CITY EMPLOYEES
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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.