ASSOCIATED CREDIT UNION OF TEXAS
Charter #60608 · League City, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.51% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.42% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 69.90% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 44th — a 23-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 | ASSOCIATED CREDIT UNION OF TEXAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $589.34M | 21th pct | 44th pct |
| Members | 44,225 | 59th pct | 43th pct |
| Net worth ratio | 10.94% | 58th pct | 52th pct |
| Return on average assets | 0.96% | 70th pct | 69th pct |
| Net interest margin | 5.51% | 100th pct | 92th pct |
| Cost of funds | 1.32% | 39th pct | 41th pct |
| Loan-to-share | 87.40% | 70th pct | 54th pct |
| Delinquency 60+ days | 0.99% | 77th pct | 74th pct |
| Net charge-off ratio | 2.42% | 99th pct | 95th pct |
| Loan growth YoY | 2.22% | 63th pct | 51th pct |
| Share growth YoY | 8.90% | 94th pct | 89th pct |
| Efficiency ratio | 69.90% | 23th pct | 21th pct |
structural peer set hash: d83888f6b292e3244ccd728c7b589379… (reproducible)
Closest structural peers
This is the free public view
Claim ASSOCIATED CREDIT UNION OF TEXAS
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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.