BRAZOS COMMUNITY
Charter #67510 · Alvin, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -2.38% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.02% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.15% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.08% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 111.54% sits at the 97th percentile of structural peers — worth a closer look.
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 | BRAZOS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.01M | 35th pct | 39th pct |
| Members | 1,957 | 44th pct | 33th pct |
| Net worth ratio | 17.79% | 75th pct | 56th pct |
| Return on average assets | -2.38% | 2th pct | 3th pct |
| Net interest margin | 4.04% | 59th pct | 31th pct |
| Cost of funds | 0.02% | 2th pct | 0th pct |
| Loan-to-share | 90.85% | 94th pct | 85th pct |
| Delinquency 60+ days | 3.15% | 94th pct | 92th pct |
| Net charge-off ratio | -0.08% | 11th pct | 7th pct |
| Loan growth YoY | -8.04% | 13th pct | 10th pct |
| Share growth YoY | -2.90% | 9th pct | 16th pct |
| Efficiency ratio | 111.54% | 95th pct | 97th pct |
structural peer set hash: 4cd6074ec20347a369c59906c3dfa745… (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.