SKEL-TEX
Charter #60396 · skellytown, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 544 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 21.14% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.20% sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.74% sits at the 75th 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 | SKEL-TEX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.22M | 73th pct | 26th pct |
| Members | 544 | 47th pct | 15th pct |
| Net worth ratio | 21.14% | 63th pct | 77th pct |
| Return on average assets | 0.33% | 47th pct | 30th pct |
| Net interest margin | 3.20% | 25th pct | 20th pct |
| Cost of funds | 1.49% | 78th pct | 66th pct |
| Loan-to-share | 55.23% | 47th pct | 48th pct |
| Delinquency 60+ days | 0.70% | 46th pct | 54th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -14.22% | 15th pct | 5th pct |
| Share growth YoY | 4.43% | 79th pct | 70th pct |
| Efficiency ratio | 90.74% | 57th pct | 75th pct |
structural peer set hash: ef99b86f05dd53e798e9ffdea76b5439… (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.