DATCU
Charter #67535 · DENTON, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.04% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.48% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.06% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.14% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.16% ranks in the 2nd 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 | DATCU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.77B | 40th pct | 61th pct |
| Members | 112,942 | 46th pct | 59th pct |
| Net worth ratio | 17.04% | 97th pct | 95th pct |
| Return on average assets | 1.48% | 92th pct | 85th pct |
| Net interest margin | 4.06% | 89th pct | 85th pct |
| Cost of funds | 0.14% | 4th pct | 8th pct |
| Loan-to-share | 104.17% | 96th pct | 95th pct |
| Delinquency 60+ days | 0.16% | 6th pct | 2th pct |
| Net charge-off ratio | 0.76% | 72th pct | 64th pct |
| Loan growth YoY | 4.69% | 79th pct | 77th pct |
| Share growth YoY | 1.46% | 13th pct | 8th pct |
| Efficiency ratio | 54.30% | 5th pct | 8th pct |
structural peer set hash: b2ba2ce7162ef7cc4807c4e67e807e5f… (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.