LINKAGE
Charter #67519 · WACO, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.08% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.40% sits at the 13th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.51% sits at the 80th 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 | LINKAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.88M | 30th pct | 31th pct |
| Members | 1,903 | 42th pct | 36th pct |
| Net worth ratio | 18.08% | 77th pct | 75th pct |
| Return on average assets | -0.40% | 11th pct | 13th pct |
| Net interest margin | 4.45% | 76th pct | 66th pct |
| Cost of funds | 1.15% | 65th pct | 67th pct |
| Loan-to-share | 66.12% | 64th pct | 57th pct |
| Delinquency 60+ days | 0.29% | 35th pct | 33th pct |
| Net charge-off ratio | 0.23% | 58th pct | 67th pct |
| Loan growth YoY | -2.90% | 46th pct | 41th pct |
| Share growth YoY | -0.42% | 23th pct | 26th pct |
| Efficiency ratio | 93.51% | 79th pct | 80th pct |
structural peer set hash: 873e053754f893ff18047d07d2b9d988… (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.