PARIS DISTRICT
Charter #67499 · Paris, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 186 sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.86% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 14.66% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | PARIS DISTRICT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 434,816 | 8th pct | 3th pct |
| Members | 186 | 13th pct | 10th pct |
| Net worth ratio | 20.02% | 59th pct | 66th pct |
| Return on average assets | 0.03% | 34th pct | 33th pct |
| Net interest margin | 4.86% | 74th pct | 80th pct |
| Cost of funds | 0.74% | 58th pct | 62th pct |
| Loan-to-share | 58.89% | 50th pct | 49th pct |
| Delinquency 60+ days | 14.66% | 97th pct | 95th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -10.20% | 27th pct | 31th pct |
| Share growth YoY | -0.73% | 43th pct | 39th pct |
| Efficiency ratio | 99.32% | 71th pct | 69th pct |
structural peer set hash: d212e2e7018a51bcf81d43995e1353bd… (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.