RIO GRANDE VALLEY CREDIT UNION
Charter #61734 · Harlingen, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 17,611 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 10.27% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.26% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.11% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 79th — a 34-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 | RIO GRANDE VALLEY CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $181.47M | 44th pct | 79th pct |
| Members | 17,611 | 68th pct | 87th pct |
| Net worth ratio | 10.27% | 31th pct | 23th pct |
| Return on average assets | 0.92% | 64th pct | 67th pct |
| Net interest margin | 3.26% | 26th pct | 25th pct |
| Cost of funds | 0.11% | 7th pct | 7th pct |
| Loan-to-share | 39.94% | 4th pct | 30th pct |
| Delinquency 60+ days | 0.48% | 39th pct | 43th pct |
| Net charge-off ratio | 0.27% | 40th pct | 31th pct |
| Loan growth YoY | -7.90% | 2th pct | 18th pct |
| Share growth YoY | 2.07% | 29th pct | 28th pct |
| Efficiency ratio | 75.64% | 40th pct | 38th pct |
structural peer set hash: 40d85ff8a2935135f1d3a95cf3603f8f… (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.