ASPIRE
Charter #67489 · Lufkin, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.22% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.79% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.15% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.10% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 34th — a 32-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 | ASPIRE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.92M | 78th pct | 48th pct |
| Members | 2,636 | 66th pct | 34th pct |
| Net worth ratio | 20.22% | 85th pct | 85th pct |
| Return on average assets | 1.79% | 91th pct | 84th pct |
| Net interest margin | 5.15% | 94th pct | 90th pct |
| Cost of funds | 0.52% | 34th pct | 26th pct |
| Loan-to-share | 77.00% | 81th pct | 67th pct |
| Delinquency 60+ days | 0.10% | 21th pct | 20th pct |
| Net charge-off ratio | 0.12% | 49th pct | 38th pct |
| Loan growth YoY | 2.73% | 85th pct | 89th pct |
| Share growth YoY | -2.79% | 9th pct | 8th pct |
| Efficiency ratio | 70.60% | 28th pct | 31th pct |
structural peer set hash: 66d32af219054343afcbe6ff7e19ba8d… (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.