TEXAS DOW EMPLOYEES
Charter #60705 · Houston, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 400,093 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.43% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.19% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.42% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.50% sits at the 97th 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 | TEXAS DOW EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.10B | 82th pct | 69th pct |
| Members | 400,093 | 90th pct | 89th pct |
| Net worth ratio | 9.86% | 30th pct | 39th pct |
| Return on average assets | 0.43% | 23th pct | 25th pct |
| Net interest margin | 4.19% | 93th pct | 89th pct |
| Cost of funds | 0.42% | 10th pct | 11th pct |
| Loan-to-share | 106.46% | 97th pct | 93th pct |
| Delinquency 60+ days | 1.50% | 94th pct | 97th pct |
| Net charge-off ratio | 1.01% | 84th pct | 80th pct |
| Loan growth YoY | -0.31% | 22th pct | 18th pct |
| Share growth YoY | 4.49% | 58th pct | 59th pct |
| Efficiency ratio | 77.65% | 70th pct | 74th pct |
structural peer set hash: 683f83b02f36baef8308c6f928397e2e… (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.