TEXAS PEOPLE
Charter #5337 · Fort Worth, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,927 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 18.04% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.15% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 4.92% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.97% sits at the 90th 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 | TEXAS PEOPLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.68M | 48th pct | 33th pct |
| Members | 1,927 | 43th pct | 25th pct |
| Net worth ratio | 18.04% | 77th pct | 80th pct |
| Return on average assets | -1.15% | 5th pct | 5th pct |
| Net interest margin | 4.92% | 90th pct | 82th pct |
| Cost of funds | 0.96% | 56th pct | 46th pct |
| Loan-to-share | 87.63% | 92th pct | 79th pct |
| Delinquency 60+ days | 0.58% | 50th pct | 52th pct |
| Net charge-off ratio | 0.97% | 85th pct | 90th pct |
| Loan growth YoY | -4.49% | 34th pct | 21th pct |
| Share growth YoY | 1.32% | 38th pct | 41th pct |
| Efficiency ratio | 107.69% | 93th pct | 93th pct |
structural peer set hash: d73c2fe71d8257dac59aa34ea81bdf59… (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.