BRAZOS VALLEY SCHOOLS
Charter #66353 · Katy, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 65,058 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.34% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.17% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 72nd — a 70-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 | BRAZOS VALLEY SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.04B | 2th pct | 72th pct |
| Members | 65,058 | 14th pct | 77th pct |
| Net worth ratio | 10.42% | 41th pct | 34th pct |
| Return on average assets | 1.01% | 73th pct | 64th pct |
| Net interest margin | 3.25% | 44th pct | 52th pct |
| Cost of funds | 1.23% | 27th pct | 51th pct |
| Loan-to-share | 46.26% | 2th pct | 7th pct |
| Delinquency 60+ days | 0.77% | 64th pct | 74th pct |
| Net charge-off ratio | 1.34% | 94th pct | 92th pct |
| Loan growth YoY | -2.63% | 6th pct | 18th pct |
| Share growth YoY | 4.62% | 59th pct | 67th pct |
| Efficiency ratio | 65.17% | 23th pct | 21th pct |
structural peer set hash: dd5c92326283e940575922399dab240f… (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.