TEXAR
Charter #24567 · TEXARKANA, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 28,131 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 16.04% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.96% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.93% sits at the 98th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 31st — a 18-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 | TEXAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $444.68M | 95th pct | 89th pct |
| Members | 28,131 | 92th pct | 87th pct |
| Net worth ratio | 16.04% | 89th pct | 87th pct |
| Return on average assets | 0.68% | 49th pct | 31th pct |
| Net interest margin | 2.96% | 13th pct | 2th pct |
| Cost of funds | 2.93% | 99th pct | 98th pct |
| Loan-to-share | 77.38% | 61th pct | 44th pct |
| Delinquency 60+ days | 0.51% | 42th pct | 43th pct |
| Net charge-off ratio | 0.36% | 51th pct | 57th pct |
| Loan growth YoY | 5.34% | 88th pct | 93th pct |
| Share growth YoY | 1.04% | 18th pct | 16th pct |
| Efficiency ratio | 74.84% | 37th pct | 52th pct |
structural peer set hash: e505ef347a2578af50a671c9fc61523a… (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.