CENTEX CITIZENS
Charter #67416 · Mexia, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 15,617 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 16.95% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.25% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.22% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.16% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 | CENTEX CITIZENS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $117.73M | 12th pct | 36th pct |
| Members | 15,617 | 61th pct | 80th pct |
| Net worth ratio | 16.95% | 93th pct | 82th pct |
| Return on average assets | 1.00% | 69th pct | 54th pct |
| Net interest margin | 4.25% | 83th pct | 77th pct |
| Cost of funds | 1.12% | 44th pct | 70th pct |
| Loan-to-share | 66.49% | 39th pct | 49th pct |
| Delinquency 60+ days | 0.22% | 15th pct | 21th pct |
| Net charge-off ratio | 0.16% | 25th pct | 20th pct |
| Loan growth YoY | -3.16% | 15th pct | 18th pct |
| Share growth YoY | 4.67% | 67th pct | 67th pct |
| Efficiency ratio | 80.53% | 58th pct | 61th pct |
structural peer set hash: 9843b456e0e6e5179a37ed1187fa54ab… (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.