TEXAS PLAINS
Charter #3828 · Amarillo, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,943 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.65% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.54% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 85.98% sits at the 79th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 62nd — a 20-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 | TEXAS PLAINS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $73.23M | 53th pct | 43th pct |
| Members | 9,943 | 95th pct | 82th pct |
| Net worth ratio | 13.58% | 58th pct | 67th pct |
| Return on average assets | 0.34% | 30th pct | 30th pct |
| Net interest margin | 4.65% | 91th pct | 79th pct |
| Cost of funds | 1.72% | 87th pct | 72th pct |
| Loan-to-share | 79.54% | 82th pct | 62th pct |
| Delinquency 60+ days | 0.79% | 61th pct | 62th pct |
| Net charge-off ratio | 1.54% | 95th pct | 92th pct |
| Loan growth YoY | 1.77% | 77th pct | 66th pct |
| Share growth YoY | 2.19% | 42th pct | 26th pct |
| Efficiency ratio | 85.98% | 69th pct | 79th pct |
structural peer set hash: 2f4aef64e802bebd6e353725b5de37cc… (reproducible)
Closest structural peers
This is the free public view
Claim TEXAS PLAINS
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.