TEX MEX
Charter #67579 · Laredo, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.45% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 5.16% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.36% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 117.97% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 33rd — a 58-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 | TEX MEX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.56M | 90th pct | 33th pct |
| Members | 2,228 | 98th pct | 72th pct |
| Net worth ratio | 23.33% | 70th pct | 70th pct |
| Return on average assets | -1.45% | 13th pct | 5th pct |
| Net interest margin | 5.16% | 81th pct | 79th pct |
| Cost of funds | 0.36% | 42th pct | 20th pct |
| Loan-to-share | 69.89% | 64th pct | 51th pct |
| Delinquency 60+ days | 1.25% | 57th pct | 57th pct |
| Net charge-off ratio | 0.19% | 76th pct | 57th pct |
| Loan growth YoY | -9.16% | 31th pct | 11th pct |
| Share growth YoY | 3.30% | 72th pct | 62th pct |
| Efficiency ratio | 117.97% | 87th pct | 95th pct |
structural peer set hash: 798d397b6da290c33de0872b3b195dce… (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.