SWEMP
Charter #5325 · TEXARKANA, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.21% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.21% sits at the 85th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 59th — a 28-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 | SWEMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.25M | 10th pct | 36th pct |
| Members | 985 | 5th pct | 28th pct |
| Net worth ratio | 20.51% | 87th pct | 59th pct |
| Return on average assets | 0.86% | 61th pct | 57th pct |
| Net interest margin | 3.21% | 23th pct | 11th pct |
| Cost of funds | 2.21% | 93th pct | 85th pct |
| Loan-to-share | 95.47% | 97th pct | 87th pct |
| Delinquency 60+ days | 0.89% | 65th pct | 57th pct |
| Net charge-off ratio | 0.09% | 46th pct | 56th pct |
| Loan growth YoY | -1.03% | 62th pct | 36th pct |
| Share growth YoY | 0.10% | 27th pct | 33th pct |
| Efficiency ratio | 74.11% | 36th pct | 36th pct |
structural peer set hash: f0fe7042da30df12012f418cd19ad787… (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.