TEXAS BAY
Charter #67465 · Houston, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.65% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.17% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.38% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.26% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 85.75% sits at the 85th percentile of structural peers — worth a closer look.
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 BAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $902.24M | 85th pct | 34th pct |
| Members | 61,095 | 89th pct | 39th pct |
| Net worth ratio | 7.65% | 4th pct | 3th pct |
| Return on average assets | 0.17% | 14th pct | 11th pct |
| Net interest margin | 3.57% | 55th pct | 34th pct |
| Cost of funds | 0.38% | 13th pct | 11th pct |
| Loan-to-share | 89.91% | 78th pct | 62th pct |
| Delinquency 60+ days | 0.64% | 54th pct | 44th pct |
| Net charge-off ratio | 1.26% | 94th pct | 90th pct |
| Loan growth YoY | -0.14% | 37th pct | 33th pct |
| Share growth YoY | 4.48% | 58th pct | 69th pct |
| Efficiency ratio | 85.75% | 80th pct | 85th pct |
structural peer set hash: 9ceec7402f9b6461156854a8bff5d5c4… (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.