NCE
Charter #67578 · CORPUS CHRISTI, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.30% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.09% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.31% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 98.94% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 30th — a 41-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 | NCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.89M | 70th pct | 30th pct |
| Members | 1,326 | 91th pct | 70th pct |
| Net worth ratio | 20.86% | 62th pct | 62th pct |
| Return on average assets | 0.31% | 46th pct | 31th pct |
| Net interest margin | 4.30% | 58th pct | 79th pct |
| Cost of funds | 1.11% | 69th pct | 66th pct |
| Loan-to-share | 52.55% | 43th pct | 41th pct |
| Delinquency 60+ days | 1.09% | 54th pct | 75th pct |
| Net charge-off ratio | 0.31% | 79th pct | 82th pct |
| Loan growth YoY | -12.71% | 20th pct | 8th pct |
| Share growth YoY | 0.81% | 55th pct | 51th pct |
| Efficiency ratio | 98.94% | 71th pct | 87th pct |
structural peer set hash: dbbe4795c7d8dcb6217ae7ec9649070c… (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.