BEN E KEITH COMPANY EMPLOYEES
Charter #514 · Fort Worth, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.16% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.16% 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 8th percentile but its structural peers at the 28th — 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 | BEN E KEITH COMPANY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.65M | 8th pct | 28th pct |
| Members | 1,623 | 29th pct | 39th pct |
| Net worth ratio | 20.93% | 88th pct | 72th pct |
| Return on average assets | 2.16% | 96th pct | 93th pct |
| Net interest margin | 4.40% | 75th pct | 72th pct |
| Cost of funds | 0.19% | 13th pct | 13th pct |
| Loan-to-share | 51.59% | 41th pct | 43th pct |
| Delinquency 60+ days | 0.11% | 23th pct | 31th pct |
| Net charge-off ratio | -0.16% | 7th pct | 7th pct |
| Loan growth YoY | -4.01% | 38th pct | 52th pct |
| Share growth YoY | -0.77% | 21th pct | 26th pct |
| Efficiency ratio | 61.88% | 14th pct | 26th pct |
structural peer set hash: 4ae290a5b92feec6d6938ca4ca25c3d7… (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.