SABINE
Charter #5866 · Orange, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.17% sits at the 11th percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.45% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 44th — a 16-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 | SABINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $238.05M | 60th pct | 44th pct |
| Members | 12,874 | 49th pct | 34th pct |
| Net worth ratio | 12.09% | 58th pct | 57th pct |
| Return on average assets | 0.17% | 15th pct | 11th pct |
| Net interest margin | 3.36% | 32th pct | 34th pct |
| Cost of funds | 0.89% | 32th pct | 43th pct |
| Loan-to-share | 70.12% | 47th pct | 51th pct |
| Delinquency 60+ days | 0.64% | 52th pct | 61th pct |
| Net charge-off ratio | 0.21% | 32th pct | 39th pct |
| Loan growth YoY | -0.41% | 43th pct | 36th pct |
| Share growth YoY | 2.12% | 30th pct | 28th pct |
| Efficiency ratio | 94.45% | 94th pct | 93th pct |
structural peer set hash: a979474353cba29a668338b8f5f97e46… (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.