DALLAS U.P. EMPLOYEES
Charter #67547 · Dallas, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.25% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 3.41% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.46% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 84th — a 30-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 | DALLAS U.P. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $26.94M | 54th pct | 84th pct |
| Members | 1,447 | 23th pct | 51th pct |
| Net worth ratio | 24.23% | 93th pct | 74th pct |
| Return on average assets | 2.25% | 97th pct | 93th pct |
| Net interest margin | 3.90% | 52th pct | 41th pct |
| Cost of funds | 3.41% | 99th pct | 98th pct |
| Loan-to-share | 85.63% | 91th pct | 72th pct |
| Delinquency 60+ days | 0.85% | 63th pct | 66th pct |
| Net charge-off ratio | 0.04% | 41th pct | 46th pct |
| Loan growth YoY | -0.02% | 70th pct | 62th pct |
| Share growth YoY | -2.03% | 12th pct | 18th pct |
| Efficiency ratio | 65.46% | 18th pct | 15th pct |
structural peer set hash: 884efea5b3f98e7a5080f2c8b545bcfc… (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.