FREESTONE
Charter #68005 · Teague, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.04% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.79% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.44% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.11% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.01% 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 | FREESTONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $77.92M | 63th pct | 49th pct |
| Members | 5,062 | 51th pct | 54th pct |
| Net worth ratio | 10.04% | 22th pct | 20th pct |
| Return on average assets | 0.25% | 25th pct | 26th pct |
| Net interest margin | 2.79% | 10th pct | 8th pct |
| Cost of funds | 1.44% | 77th pct | 77th pct |
| Loan-to-share | 54.88% | 40th pct | 39th pct |
| Delinquency 60+ days | 0.11% | 13th pct | 18th pct |
| Net charge-off ratio | 0.01% | 19th pct | 25th pct |
| Loan growth YoY | 1.22% | 72th pct | 66th pct |
| Share growth YoY | 5.51% | 77th pct | 77th pct |
| Efficiency ratio | 82.36% | 58th pct | 52th pct |
structural peer set hash: a952150b37d371f8aa853e813d4bb364… (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.