HOUSTON TEXAS FIRE FIGHTERS
Charter #258 · Houston, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.85% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.49% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.25% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 43rd — a 31-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 | HOUSTON TEXAS FIRE FIGHTERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $401.19M | 89th pct | 82th pct |
| Members | 17,733 | 69th pct | 69th pct |
| Net worth ratio | 13.80% | 77th pct | 69th pct |
| Return on average assets | 0.75% | 54th pct | 43th pct |
| Net interest margin | 2.85% | 9th pct | 3th pct |
| Cost of funds | 1.49% | 67th pct | 84th pct |
| Loan-to-share | 49.10% | 11th pct | 43th pct |
| Delinquency 60+ days | 0.45% | 36th pct | 38th pct |
| Net charge-off ratio | 0.25% | 37th pct | 21th pct |
| Loan growth YoY | 0.06% | 49th pct | 70th pct |
| Share growth YoY | 1.95% | 27th pct | 28th pct |
| Efficiency ratio | 79.02% | 51th pct | 57th pct |
structural peer set hash: 44071e4ddf54678d504b8aed0c059c35… (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.