EMPOWERMENT COMMUNITY DEVELOPMENT
Charter #24769 · Houston, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.26% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of -15.63% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.11% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 25.59% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | EMPOWERMENT COMMUNITY DEVELOPMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 705,399 | 13th pct | 3th pct |
| Members | 583 | 50th pct | 49th pct |
| Net worth ratio | 7.26% | 4th pct | 7th pct |
| Return on average assets | -15.63% | 1th pct | 2th pct |
| Net interest margin | 3.64% | 37th pct | 28th pct |
| Cost of funds | 0.11% | 23th pct | 16th pct |
| Loan-to-share | 64.89% | 58th pct | 41th pct |
| Delinquency 60+ days | 25.59% | 99th pct | 97th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -9.51% | 30th pct | 28th pct |
| Share growth YoY | -2.58% | 30th pct | 41th pct |
| Efficiency ratio | 204.45% | 96th pct | 93th pct |
structural peer set hash: ef9afeaa31a8292a63bf929c7b72e131… (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.