BRAZOS STAR
Charter #67408 · College Station, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,016 sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.44% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.15% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.58% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 23rd — a 23-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 STAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.30M | 73th pct | 54th pct |
| Members | 2,016 | 46th pct | 23th pct |
| Net worth ratio | 14.86% | 58th pct | 62th pct |
| Return on average assets | 0.75% | 55th pct | 51th pct |
| Net interest margin | 3.44% | 32th pct | 18th pct |
| Cost of funds | 0.15% | 10th pct | 11th pct |
| Loan-to-share | 50.10% | 37th pct | 59th pct |
| Delinquency 60+ days | 0.47% | 44th pct | 43th pct |
| Net charge-off ratio | 0.29% | 62th pct | 43th pct |
| Loan growth YoY | 0.86% | 76th pct | 75th pct |
| Share growth YoY | 3.27% | 59th pct | 62th pct |
| Efficiency ratio | 64.58% | 16th pct | 8th pct |
structural peer set hash: 2eb5a5fc70bc4a0fe36dfd96ddce7e3b… (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.