TEXARKANA TERMINAL EMPLOYEES
Charter #5822 · TEXARKANA, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,271 sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 6.18% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.12% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.07% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 52nd — a 25-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 | TEXARKANA TERMINAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.85M | 4th pct | 18th pct |
| Members | 1,271 | 15th pct | 21th pct |
| Net worth ratio | 9.74% | 16th pct | 31th pct |
| Return on average assets | 0.78% | 56th pct | 64th pct |
| Net interest margin | 6.18% | 99th pct | 97th pct |
| Cost of funds | 0.89% | 53th pct | 43th pct |
| Loan-to-share | 75.26% | 77th pct | 52th pct |
| Delinquency 60+ days | 0.12% | 23th pct | 10th pct |
| Net charge-off ratio | -0.07% | 11th pct | 16th pct |
| Loan growth YoY | -4.08% | 38th pct | 28th pct |
| Share growth YoY | 1.80% | 43th pct | 41th pct |
| Efficiency ratio | 88.76% | 71th pct | 69th pct |
structural peer set hash: 114d6cf056844b41bb23ea3de93cfe5b… (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.