CREDIT UNION OF TEXAS
Charter #66327 · Allen, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.31% sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of 0.03% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.12% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.57% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.47% sits at the 92nd 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 | CREDIT UNION OF TEXAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.72B | 60th pct | 64th pct |
| Members | 184,024 | 70th pct | 70th pct |
| Net worth ratio | 8.31% | 5th pct | 5th pct |
| Return on average assets | 0.03% | 4th pct | 3th pct |
| Net interest margin | 3.12% | 36th pct | 21th pct |
| Cost of funds | 0.57% | 13th pct | 13th pct |
| Loan-to-share | 95.19% | 80th pct | 59th pct |
| Delinquency 60+ days | 1.47% | 93th pct | 92th pct |
| Net charge-off ratio | 1.23% | 93th pct | 92th pct |
| Loan growth YoY | 6.61% | 89th pct | 93th pct |
| Share growth YoY | 4.57% | 59th pct | 61th pct |
| Efficiency ratio | 86.61% | 93th pct | 97th pct |
structural peer set hash: 97d88f8f720342a4ac4f4a07add7e1ee… (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.