CITY
Charter #5665 · AMARILLO, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,722 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 16.23% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.61% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 2.80% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.78% sits at the 89th 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 | CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $84.76M | 75th pct | 48th pct |
| Members | 2,722 | 6th pct | 15th pct |
| Net worth ratio | 16.23% | 77th pct | 79th pct |
| Return on average assets | -0.61% | 5th pct | 7th pct |
| Net interest margin | 2.80% | 11th pct | 11th pct |
| Cost of funds | 2.78% | 98th pct | 89th pct |
| Loan-to-share | 95.45% | 98th pct | 72th pct |
| Delinquency 60+ days | 1.12% | 75th pct | 67th pct |
| Net charge-off ratio | 1.36% | 94th pct | 98th pct |
| Loan growth YoY | -11.00% | 2th pct | 0th pct |
| Share growth YoY | -3.13% | 4th pct | 8th pct |
| Efficiency ratio | 87.87% | 75th pct | 74th pct |
structural peer set hash: 26cf503104ca98efcc3847b3a2b56fb6… (reproducible)
Closest structural peers
This is the free public view
Claim CITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.