SCOTT AND WHITE EMPLOYEES
Charter #67612 · Temple, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.25% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.39% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 52.92% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 36th — a 21-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 | SCOTT AND WHITE EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $73.16M | 53th pct | 62th pct |
| Members | 4,688 | 43th pct | 49th pct |
| Net worth ratio | 18.94% | 87th pct | 74th pct |
| Return on average assets | 2.25% | 97th pct | 92th pct |
| Net interest margin | 3.82% | 55th pct | 49th pct |
| Cost of funds | 0.39% | 17th pct | 20th pct |
| Loan-to-share | 65.00% | 57th pct | 36th pct |
| Delinquency 60+ days | 0.30% | 29th pct | 38th pct |
| Net charge-off ratio | 0.23% | 48th pct | 54th pct |
| Loan growth YoY | 5.37% | 92th pct | 97th pct |
| Share growth YoY | 2.78% | 48th pct | 41th pct |
| Efficiency ratio | 52.92% | 5th pct | 8th pct |
structural peer set hash: d4a31f31b2a0a61c4db1849f24860058… (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.