CONCHO EDUCATORS
Charter #4684 · SAN ANGELO, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,702 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 0.21% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 3.18% sits at the 11th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.28% sits at the 97th 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 | CONCHO EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.94M | 1th pct | 11th pct |
| Members | 6,702 | 10th pct | 15th pct |
| Net worth ratio | 11.40% | 49th pct | 62th pct |
| Return on average assets | 0.21% | 17th pct | 11th pct |
| Net interest margin | 3.18% | 22th pct | 11th pct |
| Cost of funds | 0.95% | 36th pct | 49th pct |
| Loan-to-share | 65.08% | 36th pct | 39th pct |
| Delinquency 60+ days | 0.73% | 60th pct | 66th pct |
| Net charge-off ratio | 1.28% | 94th pct | 97th pct |
| Loan growth YoY | 5.91% | 90th pct | 93th pct |
| Share growth YoY | 4.42% | 63th pct | 59th pct |
| Efficiency ratio | 79.28% | 52th pct | 57th pct |
structural peer set hash: 51ab2b20d7bc7902a32c70c9e66c39fd… (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.