WACO
Charter #6368 · WACO, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.44% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.07% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 61st — 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 | WACO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.24M | 36th pct | 61th pct |
| Members | 1,947 | 44th pct | 57th pct |
| Net worth ratio | 10.01% | 18th pct | 28th pct |
| Return on average assets | 1.00% | 68th pct | 64th pct |
| Net interest margin | 4.44% | 76th pct | 79th pct |
| Cost of funds | 0.45% | 29th pct | 46th pct |
| Loan-to-share | 47.89% | 33th pct | 46th pct |
| Delinquency 60+ days | 1.07% | 70th pct | 80th pct |
| Net charge-off ratio | 0.11% | 48th pct | 62th pct |
| Loan growth YoY | -0.51% | 66th pct | 72th pct |
| Share growth YoY | 3.03% | 56th pct | 41th pct |
| Efficiency ratio | 76.46% | 40th pct | 36th pct |
structural peer set hash: 4e10858dd2dad956ba24c78d48aa3a6a… (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.