TEXANS
Charter #60806 · Richardson, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 152,742 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.07% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.77% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 80th — 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 | TEXANS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.61B | 57th pct | 80th pct |
| Members | 152,742 | 61th pct | 79th pct |
| Net worth ratio | 10.68% | 48th pct | 46th pct |
| Return on average assets | 0.89% | 64th pct | 54th pct |
| Net interest margin | 3.07% | 34th pct | 18th pct |
| Cost of funds | 0.77% | 16th pct | 20th pct |
| Loan-to-share | 76.87% | 26th pct | 33th pct |
| Delinquency 60+ days | 0.62% | 49th pct | 64th pct |
| Net charge-off ratio | 0.49% | 47th pct | 38th pct |
| Loan growth YoY | 5.50% | 85th pct | 84th pct |
| Share growth YoY | 9.06% | 90th pct | 92th pct |
| Efficiency ratio | 68.58% | 36th pct | 33th pct |
structural peer set hash: b35d69d78d9660a74a96c1214d73bf6e… (reproducible)
Closest structural peers
This is the free public view
Claim TEXANS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.