SMART FINANCIAL
Charter #67927 · Houston, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.40% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.64% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.67% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.00% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 68.56% ranks in the 10th 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 | SMART FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $805.78M | 71th pct | 48th pct |
| Members | 59,807 | 88th pct | 61th pct |
| Net worth ratio | 11.61% | 68th pct | 66th pct |
| Return on average assets | 1.40% | 86th pct | 90th pct |
| Net interest margin | 4.64% | 97th pct | 95th pct |
| Cost of funds | 0.67% | 16th pct | 11th pct |
| Loan-to-share | 83.32% | 54th pct | 41th pct |
| Delinquency 60+ days | 1.00% | 78th pct | 77th pct |
| Net charge-off ratio | 0.53% | 60th pct | 61th pct |
| Loan growth YoY | 3.23% | 75th pct | 75th pct |
| Share growth YoY | 0.81% | 11th pct | 13th pct |
| Efficiency ratio | 68.56% | 19th pct | 10th pct |
structural peer set hash: 0da46f13b19e6461d3f5aea9b93e27dd… (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.