NAVARRO
Charter #67407 · Corsicana, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 42.15% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.27% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 9.50% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.04% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.86% sits at the 77th 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 | NAVARRO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.70M | 37th pct | 30th pct |
| Members | 671 | 58th pct | 46th pct |
| Net worth ratio | 42.15% | 95th pct | 87th pct |
| Return on average assets | -0.27% | 27th pct | 25th pct |
| Net interest margin | 9.50% | 99th pct | 98th pct |
| Cost of funds | 0.35% | 41th pct | 33th pct |
| Loan-to-share | 92.90% | 89th pct | 62th pct |
| Delinquency 60+ days | 3.04% | 77th pct | 80th pct |
| Net charge-off ratio | 0.86% | 85th pct | 77th pct |
| Loan growth YoY | 5.95% | 90th pct | 90th pct |
| Share growth YoY | -2.17% | 32th pct | 34th pct |
| Efficiency ratio | 71.85% | 26th pct | 38th pct |
structural peer set hash: ef34e4f6dfddefbf409769707c84f10b… (reproducible)
Closest structural peers
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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.