YOAKUM COUNTY
Charter #6472 · PLAINS, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.53% sits at the 25th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 56th — a 31-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 | YOAKUM COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.10M | 87th pct | 56th pct |
| Members | 942 | 80th pct | 54th pct |
| Net worth ratio | 24.59% | 74th pct | 74th pct |
| Return on average assets | 0.58% | 57th pct | 46th pct |
| Net interest margin | 3.53% | 33th pct | 25th pct |
| Cost of funds | 1.06% | 67th pct | 54th pct |
| Loan-to-share | 71.23% | 66th pct | 52th pct |
| Delinquency 60+ days | 0.82% | 50th pct | 54th pct |
| Net charge-off ratio | 0.04% | 73th pct | 56th pct |
| Loan growth YoY | 4.66% | 87th pct | 89th pct |
| Share growth YoY | -7.74% | 10th pct | 3th pct |
| Efficiency ratio | 83.83% | 46th pct | 62th pct |
structural peer set hash: c6ad25c2973cdba4bec6ccdf7f2dfbb5… (reproducible)
Closest structural peers
This is the free public view
Claim YOAKUM COUNTY
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.