CITY
Charter #67669 · Dallas, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.08% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.17% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 61st — a 28-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 | CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $630.47M | 32th pct | 61th pct |
| Members | 33,792 | 27th pct | 48th pct |
| Net worth ratio | 11.88% | 71th pct | 67th pct |
| Return on average assets | 0.68% | 54th pct | 52th pct |
| Net interest margin | 3.53% | 51th pct | 41th pct |
| Cost of funds | 0.08% | 5th pct | 10th pct |
| Loan-to-share | 57.78% | 10th pct | 21th pct |
| Delinquency 60+ days | 1.17% | 85th pct | 89th pct |
| Net charge-off ratio | 0.99% | 88th pct | 72th pct |
| Loan growth YoY | -6.25% | 1th pct | 2th pct |
| Share growth YoY | -1.82% | 2th pct | 0th pct |
| Efficiency ratio | 76.72% | 42th pct | 46th pct |
structural peer set hash: d68975879cc7c9758233ecf833ff4a40… (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.