TXDOT
Charter #67439 · Abilene, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.91% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.42% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 68.92% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 51st — 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 | TXDOT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.64M | 30th pct | 51th pct |
| Members | 1,875 | 41th pct | 52th pct |
| Net worth ratio | 17.49% | 74th pct | 51th pct |
| Return on average assets | 0.91% | 64th pct | 79th pct |
| Net interest margin | 4.17% | 66th pct | 46th pct |
| Cost of funds | 1.65% | 81th pct | 67th pct |
| Loan-to-share | 99.24% | 98th pct | 97th pct |
| Delinquency 60+ days | 0.07% | 18th pct | 13th pct |
| Net charge-off ratio | 0.42% | 68th pct | 80th pct |
| Loan growth YoY | 0.14% | 72th pct | 66th pct |
| Share growth YoY | 6.26% | 82th pct | 79th pct |
| Efficiency ratio | 68.92% | 25th pct | 18th pct |
structural peer set hash: 7dbd541c3114b4164f4422f976553b94… (reproducible)
Closest structural peers
This is the free public view
Claim TXDOT
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.