DOCHES
Charter #62446 · Nacogdoches, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 11,737 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.54% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.49% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 62nd — a 21-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 | DOCHES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.32M | 35th pct | 49th pct |
| Members | 11,737 | 98th pct | 89th pct |
| Net worth ratio | 13.61% | 59th pct | 61th pct |
| Return on average assets | 1.31% | 78th pct | 74th pct |
| Net interest margin | 4.54% | 89th pct | 75th pct |
| Cost of funds | 0.49% | 23th pct | 23th pct |
| Loan-to-share | 80.25% | 83th pct | 62th pct |
| Delinquency 60+ days | 0.61% | 49th pct | 49th pct |
| Net charge-off ratio | 0.02% | 21th pct | 7th pct |
| Loan growth YoY | -0.20% | 63th pct | 46th pct |
| Share growth YoY | -0.50% | 13th pct | 21th pct |
| Efficiency ratio | 84.79% | 65th pct | 66th pct |
structural peer set hash: f701da0204d3e94a6a618977af251ac6… (reproducible)
Closest structural peers
This is the free public view
Claim DOCHES
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.