CONCHO VALLEY
Charter #67473 · San Angelo, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,425 sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.10% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 25th — a 27-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 | CONCHO VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.64M | 51th pct | 25th pct |
| Members | 1,425 | 22th pct | 10th pct |
| Net worth ratio | 11.26% | 28th pct | 49th pct |
| Return on average assets | 0.77% | 56th pct | 64th pct |
| Net interest margin | 3.21% | 23th pct | 34th pct |
| Cost of funds | 0.10% | 7th pct | 13th pct |
| Loan-to-share | 54.67% | 46th pct | 46th pct |
| Delinquency 60+ days | 0.16% | 26th pct | 39th pct |
| Net charge-off ratio | 0.10% | 47th pct | 48th pct |
| Loan growth YoY | 2.39% | 84th pct | 82th pct |
| Share growth YoY | 1.46% | 39th pct | 28th pct |
| Efficiency ratio | 78.62% | 45th pct | 31th pct |
structural peer set hash: 4173fa161a2204d0b0bfd28f0ce7f286… (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.