SAN ANGELO
Charter #3080 · SAN ANGELO, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Efficiency ratio of 66.17% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 72nd — a 17-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 | SAN ANGELO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.77M | 84th pct | 67th pct |
| Members | 3,903 | 90th pct | 72th pct |
| Net worth ratio | 12.38% | 40th pct | 44th pct |
| Return on average assets | 1.41% | 83th pct | 74th pct |
| Net interest margin | 3.76% | 45th pct | 33th pct |
| Cost of funds | 0.65% | 41th pct | 57th pct |
| Loan-to-share | 56.34% | 49th pct | 52th pct |
| Delinquency 60+ days | 0.56% | 49th pct | 59th pct |
| Net charge-off ratio | 0.12% | 49th pct | 41th pct |
| Loan growth YoY | 7.37% | 96th pct | 95th pct |
| Share growth YoY | 1.71% | 41th pct | 33th pct |
| Efficiency ratio | 66.17% | 19th pct | 20th pct |
structural peer set hash: a4925d53cf1dc79bc658116ab50dac44… (reproducible)
Closest structural peers
This is the free public view
Claim SAN ANGELO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.