COBURN
Charter #60409 · Beaumont, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.94% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.68% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.53% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.92% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.99% sits at the 84th 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 | COBURN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.42M | 75th pct | 36th pct |
| Members | 929 | 79th pct | 57th pct |
| Net worth ratio | 22.94% | 69th pct | 75th pct |
| Return on average assets | 1.68% | 86th pct | 80th pct |
| Net interest margin | 2.53% | 13th pct | 8th pct |
| Cost of funds | 1.92% | 86th pct | 79th pct |
| Loan-to-share | 54.92% | 46th pct | 44th pct |
| Delinquency 60+ days | 1.99% | 68th pct | 84th pct |
| Net charge-off ratio | 0.23% | 78th pct | 77th pct |
| Loan growth YoY | -3.44% | 59th pct | 52th pct |
| Share growth YoY | 11.51% | 95th pct | 97th pct |
| Efficiency ratio | 50.45% | 9th pct | 5th pct |
structural peer set hash: d98ac0d2f732cf0039c3dabb535dfdea… (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.