MEMBERS
Charter #67649 · Cleburne, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.30% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 72nd — a 60-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 | MEMBERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $117.40M | 12th pct | 72th pct |
| Members | 8,665 | 22th pct | 64th pct |
| Net worth ratio | 11.01% | 43th pct | 26th pct |
| Return on average assets | 0.87% | 62th pct | 43th pct |
| Net interest margin | 3.86% | 64th pct | 48th pct |
| Cost of funds | 0.30% | 13th pct | 20th pct |
| Loan-to-share | 49.52% | 12th pct | 30th pct |
| Delinquency 60+ days | 0.83% | 67th pct | 56th pct |
| Net charge-off ratio | 0.60% | 72th pct | 62th pct |
| Loan growth YoY | -9.32% | 1th pct | 2th pct |
| Share growth YoY | 6.92% | 87th pct | 75th pct |
| Efficiency ratio | 79.91% | 55th pct | 67th pct |
structural peer set hash: 0315be545587419ed31d4c641ae17aa6… (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.