A+
Charter #6178 · Austin, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 194,144 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.60% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.01% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.04% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.43% sits at the 95th 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 | A+ | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.58B | 56th pct | 66th pct |
| Members | 194,144 | 72th pct | 89th pct |
| Net worth ratio | 13.60% | 87th pct | 89th pct |
| Return on average assets | 0.69% | 48th pct | 54th pct |
| Net interest margin | 4.01% | 88th pct | 89th pct |
| Cost of funds | 1.47% | 36th pct | 33th pct |
| Loan-to-share | 100.23% | 91th pct | 80th pct |
| Delinquency 60+ days | 2.04% | 98th pct | 97th pct |
| Net charge-off ratio | 1.43% | 96th pct | 95th pct |
| Loan growth YoY | 1.37% | 44th pct | 43th pct |
| Share growth YoY | 2.09% | 19th pct | 28th pct |
| Efficiency ratio | 68.63% | 36th pct | 21th pct |
structural peer set hash: 9b2529037ae068f2d3d01c77053e7a29… (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.