U. S. EMPLOYEES
Charter #66372 · Tomball, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.25% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.03% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 48th — a 19-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 | U. S. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $85.90M | 78th pct | 69th pct |
| Members | 7,564 | 85th pct | 69th pct |
| Net worth ratio | 10.25% | 23th pct | 21th pct |
| Return on average assets | 0.69% | 49th pct | 56th pct |
| Net interest margin | 3.88% | 59th pct | 57th pct |
| Cost of funds | 0.03% | 2th pct | 5th pct |
| Loan-to-share | 49.46% | 29th pct | 48th pct |
| Delinquency 60+ days | 0.33% | 32th pct | 34th pct |
| Net charge-off ratio | 0.24% | 49th pct | 43th pct |
| Loan growth YoY | 7.74% | 97th pct | 98th pct |
| Share growth YoY | -1.93% | 6th pct | 7th pct |
| Efficiency ratio | 81.31% | 55th pct | 44th pct |
structural peer set hash: d8d0d855ac18f0932b367a139d195332… (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.