AUSTIN TELCO
Charter #4584 · Austin, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.83% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.16% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.14% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.37% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.26% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | AUSTIN TELCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.55B | 56th pct | 70th pct |
| Members | 95,564 | 38th pct | 48th pct |
| Net worth ratio | 13.83% | 88th pct | 93th pct |
| Return on average assets | 0.57% | 37th pct | 31th pct |
| Net interest margin | 2.16% | 3th pct | 0th pct |
| Cost of funds | 2.14% | 69th pct | 77th pct |
| Loan-to-share | 81.99% | 36th pct | 31th pct |
| Delinquency 60+ days | 0.37% | 22th pct | 20th pct |
| Net charge-off ratio | 0.26% | 19th pct | 21th pct |
| Loan growth YoY | -0.25% | 23th pct | 30th pct |
| Share growth YoY | -0.29% | 5th pct | 5th pct |
| Efficiency ratio | 76.11% | 62th pct | 57th pct |
structural peer set hash: c678f08efa98368f809abe041bdb22a3… (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.