GERMANIA
Charter #66857 · Brenham, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.20% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 62nd — a 28-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 | GERMANIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.43M | 34th pct | 62th pct |
| Members | 2,535 | 64th pct | 74th pct |
| Net worth ratio | 12.45% | 40th pct | 26th pct |
| Return on average assets | 0.40% | 36th pct | 41th pct |
| Net interest margin | 3.20% | 23th pct | 20th pct |
| Cost of funds | 1.29% | 70th pct | 67th pct |
| Loan-to-share | 60.68% | 55th pct | 49th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 18th pct |
| Loan growth YoY | -5.60% | 26th pct | 31th pct |
| Share growth YoY | 7.28% | 88th pct | 77th pct |
| Efficiency ratio | 86.19% | 64th pct | 61th pct |
structural peer set hash: 4adec6e92e7c32a7cb07b6face16049c… (reproducible)
Closest structural peers
This is the free public view
Claim GERMANIA
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.