MATAGORDA COUNTY
Charter #67545 · Bay City, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.49% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.53% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.19% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.06% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.79% ranks in the 16th 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 | MATAGORDA COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.74M | 76th pct | 46th pct |
| Members | 2,460 | 62th pct | 33th pct |
| Net worth ratio | 16.74% | 70th pct | 67th pct |
| Return on average assets | 1.49% | 86th pct | 82th pct |
| Net interest margin | 3.53% | 35th pct | 20th pct |
| Cost of funds | 0.19% | 13th pct | 16th pct |
| Loan-to-share | 57.12% | 50th pct | 46th pct |
| Delinquency 60+ days | 0.06% | 17th pct | 11th pct |
| Net charge-off ratio | 0.11% | 48th pct | 36th pct |
| Loan growth YoY | 4.55% | 91th pct | 89th pct |
| Share growth YoY | 2.12% | 46th pct | 36th pct |
| Efficiency ratio | 64.79% | 17th pct | 16th pct |
structural peer set hash: 9748c487d3168e35d8603517e9803cba… (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.