PANTEX
Charter #3571 · Borger, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 14,640 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 21.36% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.23% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.02% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 87th — a 27-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 | PANTEX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $239.20M | 60th pct | 87th pct |
| Members | 14,640 | 58th pct | 80th pct |
| Net worth ratio | 21.36% | 98th pct | 87th pct |
| Return on average assets | 1.58% | 91th pct | 66th pct |
| Net interest margin | 3.50% | 40th pct | 38th pct |
| Cost of funds | 1.23% | 51th pct | 75th pct |
| Loan-to-share | 34.00% | 2th pct | 15th pct |
| Delinquency 60+ days | 0.81% | 66th pct | 74th pct |
| Net charge-off ratio | -0.02% | 2th pct | 7th pct |
| Loan growth YoY | -3.28% | 15th pct | 33th pct |
| Share growth YoY | -0.28% | 8th pct | 5th pct |
| Efficiency ratio | 63.12% | 12th pct | 33th pct |
structural peer set hash: 29c47084905bc68a9d5ee0c8a849666e… (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.