TEXAS DPS
Charter #67511 · Austin, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.07% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 100th percentile but its structural peers at the 79th — a 21-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 | TEXAS DPS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $99.87M | 100th pct | 79th pct |
| Members | 5,762 | 61th pct | 43th pct |
| Net worth ratio | 12.14% | 42th pct | 61th pct |
| Return on average assets | 0.74% | 52th pct | 56th pct |
| Net interest margin | 3.98% | 65th pct | 56th pct |
| Cost of funds | 0.07% | 5th pct | 8th pct |
| Loan-to-share | 65.68% | 58th pct | 51th pct |
| Delinquency 60+ days | 0.45% | 40th pct | 39th pct |
| Net charge-off ratio | 0.29% | 55th pct | 51th pct |
| Loan growth YoY | -0.50% | 60th pct | 51th pct |
| Share growth YoY | -0.50% | 13th pct | 18th pct |
| Efficiency ratio | 79.13% | 48th pct | 39th pct |
structural peer set hash: 65a11bfb474739a1af69307ed9392ab5… (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.