COMMUNITY SERVICE
Charter #67974 · Huntsville, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.29% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.05% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.52% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.05% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.25% sits at the 97th percentile of structural peers — worth a closer look.
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 | COMMUNITY SERVICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $162.93M | 36th pct | 59th pct |
| Members | 11,379 | 40th pct | 39th pct |
| Net worth ratio | 9.29% | 17th pct | 23th pct |
| Return on average assets | 0.05% | 10th pct | 20th pct |
| Net interest margin | 4.52% | 90th pct | 75th pct |
| Cost of funds | 0.05% | 4th pct | 7th pct |
| Loan-to-share | 86.00% | 81th pct | 59th pct |
| Delinquency 60+ days | 0.43% | 34th pct | 36th pct |
| Net charge-off ratio | 2.25% | 99th pct | 97th pct |
| Loan growth YoY | 5.42% | 88th pct | 87th pct |
| Share growth YoY | 1.51% | 22th pct | 28th pct |
| Efficiency ratio | 83.06% | 66th pct | 62th pct |
structural peer set hash: 431aed0a97a1d132e65caed238070df1… (reproducible)
Closest structural peers
This is the free public view
Claim COMMUNITY SERVICE
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.