TEXAS HEALTH
Charter #67452 · AUSTIN, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,816 sits at the 0th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.29% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.37% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 61.75% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 70th — a 17-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 | TEXAS HEALTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $143.69M | 28th pct | 20th pct |
| Members | 4,816 | 3th pct | 0th pct |
| Net worth ratio | 12.75% | 66th pct | 67th pct |
| Return on average assets | 0.70% | 50th pct | 48th pct |
| Net interest margin | 3.43% | 36th pct | 33th pct |
| Cost of funds | 1.27% | 54th pct | 70th pct |
| Loan-to-share | 57.44% | 22th pct | 28th pct |
| Delinquency 60+ days | 2.29% | 96th pct | 97th pct |
| Net charge-off ratio | 1.37% | 95th pct | 95th pct |
| Loan growth YoY | -7.71% | 2th pct | 3th pct |
| Share growth YoY | 3.68% | 53th pct | 49th pct |
| Efficiency ratio | 61.75% | 11th pct | 7th pct |
structural peer set hash: adbd5a14d32b66c9dadfcf4676c60c3f… (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.