COMMUNITY RESOURCE
Charter #68021 · Baytown, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.19% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.23% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 39th — a 51-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 | COMMUNITY RESOURCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $933.56M | 91th pct | 39th pct |
| Members | 58,588 | 86th pct | 36th pct |
| Net worth ratio | 10.56% | 53th pct | 49th pct |
| Return on average assets | 1.19% | 83th pct | 84th pct |
| Net interest margin | 3.91% | 79th pct | 67th pct |
| Cost of funds | 0.23% | 9th pct | 7th pct |
| Loan-to-share | 89.26% | 77th pct | 66th pct |
| Delinquency 60+ days | 0.60% | 51th pct | 38th pct |
| Net charge-off ratio | 0.50% | 57th pct | 39th pct |
| Loan growth YoY | 0.70% | 49th pct | 39th pct |
| Share growth YoY | 4.22% | 53th pct | 62th pct |
| Efficiency ratio | 75.89% | 39th pct | 51th pct |
structural peer set hash: d8cd141dde8ee11f5e1cb401324344e7… (reproducible)
Closest structural peers
This is the free public view
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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.