SELECT
Charter #3064 · SAN ANTONIO, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.88% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.86% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.42% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.90% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.89% sits at the 84th percentile of structural peers — worth a closer look.
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 | SELECT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.56M | 22th pct | 51th pct |
| Members | 5,462 | 57th pct | 59th pct |
| Net worth ratio | 15.46% | 73th pct | 62th pct |
| Return on average assets | -0.88% | 3th pct | 5th pct |
| Net interest margin | 2.86% | 12th pct | 2th pct |
| Cost of funds | 2.42% | 96th pct | 95th pct |
| Loan-to-share | 77.54% | 81th pct | 66th pct |
| Delinquency 60+ days | 0.90% | 68th pct | 77th pct |
| Net charge-off ratio | 0.89% | 87th pct | 84th pct |
| Loan growth YoY | -10.53% | 2th pct | 0th pct |
| Share growth YoY | 2.51% | 46th pct | 41th pct |
| Efficiency ratio | 109.37% | 98th pct | 98th pct |
structural peer set hash: c74ffcc7192c1b3e701307fb4a86dd83… (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.