MESQUITE
Charter #67436 · Mesquite, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.25% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.03% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 66th — 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 | MESQUITE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.00M | 85th pct | 66th pct |
| Members | 2,873 | 72th pct | 57th pct |
| Net worth ratio | 10.67% | 23th pct | 36th pct |
| Return on average assets | 0.93% | 64th pct | 70th pct |
| Net interest margin | 4.20% | 67th pct | 64th pct |
| Cost of funds | 0.25% | 18th pct | 23th pct |
| Loan-to-share | 70.50% | 71th pct | 62th pct |
| Delinquency 60+ days | 0.03% | 13th pct | 11th pct |
| Net charge-off ratio | 0.38% | 66th pct | 70th pct |
| Loan growth YoY | 3.59% | 89th pct | 95th pct |
| Share growth YoY | 1.13% | 37th pct | 38th pct |
| Efficiency ratio | 80.05% | 49th pct | 36th pct |
structural peer set hash: 3581dc19750ec063c8d9126ecf92f3cf… (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.