HOUSTON HIGHWAY
Charter #67627 · Houston, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.86% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.14% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.40% sits at the 79th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 59th — a 22-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 | HOUSTON HIGHWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.35M | 96th pct | 79th pct |
| Members | 3,264 | 81th pct | 59th pct |
| Net worth ratio | 11.14% | 27th pct | 36th pct |
| Return on average assets | 0.73% | 54th pct | 52th pct |
| Net interest margin | 2.86% | 13th pct | 5th pct |
| Cost of funds | 0.14% | 9th pct | 16th pct |
| Loan-to-share | 54.86% | 46th pct | 44th pct |
| Delinquency 60+ days | 0.34% | 38th pct | 49th pct |
| Net charge-off ratio | 0.33% | 64th pct | 56th pct |
| Loan growth YoY | -0.09% | 70th pct | 61th pct |
| Share growth YoY | 2.99% | 55th pct | 44th pct |
| Efficiency ratio | 92.40% | 77th pct | 79th pct |
structural peer set hash: abd94b5de662a4fe503d891d3514349d… (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.