MARSHALL T & P EMPLOYEES
Charter #5686 · MARSHALL, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.31% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 3.03% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.02% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.98% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 61.88% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 | MARSHALL T & P EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.12M | 28th pct | 59th pct |
| Members | 1,412 | 22th pct | 46th pct |
| Net worth ratio | 17.85% | 76th pct | 62th pct |
| Return on average assets | 1.01% | 68th pct | 70th pct |
| Net interest margin | 3.31% | 27th pct | 21th pct |
| Cost of funds | 3.03% | 98th pct | 92th pct |
| Loan-to-share | 75.73% | 79th pct | 57th pct |
| Delinquency 60+ days | 1.02% | 68th pct | 79th pct |
| Net charge-off ratio | 0.98% | 85th pct | 84th pct |
| Loan growth YoY | -0.32% | 68th pct | 69th pct |
| Share growth YoY | 7.39% | 88th pct | 80th pct |
| Efficiency ratio | 61.88% | 14th pct | 11th pct |
structural peer set hash: 9cc1b6a69ce251bc8acb797ebfa94e65… (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.