REED
Charter #67486 · HOUSTON, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.08% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.05% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.29% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 59th — a 37-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 | REED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.25M | 22th pct | 59th pct |
| Members | 968 | 5th pct | 33th pct |
| Net worth ratio | 18.00% | 76th pct | 69th pct |
| Return on average assets | 0.08% | 21th pct | 10th pct |
| Net interest margin | 3.07% | 19th pct | 44th pct |
| Cost of funds | 1.30% | 71th pct | 70th pct |
| Loan-to-share | 16.65% | 1th pct | 3th pct |
| Delinquency 60+ days | 2.05% | 85th pct | 89th pct |
| Net charge-off ratio | 0.00% | 23th pct | 23th pct |
| Loan growth YoY | -2.50% | 49th pct | 69th pct |
| Share growth YoY | -0.34% | 24th pct | 23th pct |
| Efficiency ratio | 93.29% | 79th pct | 87th pct |
structural peer set hash: 021ca6d7bf6e99bf998e85162d9dc8d5… (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.