CAPROCK SANTA FE
Charter #67441 · SLATON, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,287 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 41.20% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.39% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 48.47% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 84th — a 79-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 | CAPROCK SANTA FE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.57M | 5th pct | 84th pct |
| Members | 4,287 | 33th pct | 82th pct |
| Net worth ratio | 41.20% | 100th pct | 87th pct |
| Return on average assets | 2.39% | 98th pct | 97th pct |
| Net interest margin | 3.97% | 65th pct | 44th pct |
| Cost of funds | 0.61% | 28th pct | 49th pct |
| Loan-to-share | 48.95% | 28th pct | 30th pct |
| Delinquency 60+ days | 1.81% | 91th pct | 69th pct |
| Net charge-off ratio | 0.69% | 81th pct | 61th pct |
| Loan growth YoY | -8.49% | 4th pct | 16th pct |
| Share growth YoY | 1.03% | 29th pct | 57th pct |
| Efficiency ratio | 48.47% | 3th pct | 2th pct |
structural peer set hash: 91e623ef715d5f2dbfb69c33c557911d… (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.