NEIGHBORHOOD
Charter #67681 · Dallas, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.34% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 2.01% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.54% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.22% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 70.95% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | NEIGHBORHOOD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.13B | 10th pct | 52th pct |
| Members | 68,342 | 17th pct | 51th pct |
| Net worth ratio | 10.52% | 45th pct | 57th pct |
| Return on average assets | 0.69% | 48th pct | 66th pct |
| Net interest margin | 3.34% | 49th pct | 25th pct |
| Cost of funds | 2.01% | 62th pct | 84th pct |
| Loan-to-share | 76.86% | 26th pct | 41th pct |
| Delinquency 60+ days | 1.54% | 95th pct | 95th pct |
| Net charge-off ratio | 1.22% | 92th pct | 85th pct |
| Loan growth YoY | -1.24% | 12th pct | 22th pct |
| Share growth YoY | 0.87% | 8th pct | 12th pct |
| Efficiency ratio | 70.95% | 44th pct | 25th pct |
structural peer set hash: 7c12b8504ca4dfcf5ab9cf3bf7b55401… (reproducible)
Closest structural peers
This is the free public view
Claim NEIGHBORHOOD
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.