SHARED RESOURCES
Charter #67477 · Pasadena, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.92% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 5.29% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.97% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 110.93% sits at the 97th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 38th — a 22-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 | SHARED RESOURCES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $26.28M | 53th pct | 57th pct |
| Members | 2,787 | 70th pct | 64th pct |
| Net worth ratio | 12.42% | 40th pct | 30th pct |
| Return on average assets | -0.92% | 6th pct | 3th pct |
| Net interest margin | 5.29% | 95th pct | 92th pct |
| Cost of funds | 0.80% | 48th pct | 28th pct |
| Loan-to-share | 82.12% | 86th pct | 69th pct |
| Delinquency 60+ days | 0.97% | 67th pct | 77th pct |
| Net charge-off ratio | 0.32% | 63th pct | 67th pct |
| Loan growth YoY | -1.15% | 60th pct | 38th pct |
| Share growth YoY | 4.34% | 69th pct | 56th pct |
| Efficiency ratio | 110.93% | 94th pct | 97th pct |
structural peer set hash: 000517a971b37bd4779d3d6b45c2ee53… (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.