MEMORIAL
Charter #62571 · Houston, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.02% sits at the 18th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.82% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 52nd — a 25-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 | MEMORIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $85.73M | 78th pct | 52th pct |
| Members | 9,907 | 95th pct | 72th pct |
| Net worth ratio | 10.93% | 30th pct | 46th pct |
| Return on average assets | 0.02% | 13th pct | 18th pct |
| Net interest margin | 4.72% | 92th pct | 74th pct |
| Cost of funds | 0.61% | 29th pct | 31th pct |
| Loan-to-share | 89.37% | 94th pct | 82th pct |
| Delinquency 60+ days | 0.65% | 51th pct | 52th pct |
| Net charge-off ratio | 0.49% | 70th pct | 56th pct |
| Loan growth YoY | -6.08% | 12th pct | 8th pct |
| Share growth YoY | -1.23% | 10th pct | 8th pct |
| Efficiency ratio | 93.82% | 88th pct | 87th pct |
structural peer set hash: f957b1d26c043516f698c296a5c6aeeb… (reproducible)
Closest structural peers
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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.