TEXAS TRUST
Charter #68434 · Mansfield, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.91% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.18% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 54th — a 19-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 | TEXAS TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.07B | 46th pct | 56th pct |
| Members | 138,569 | 57th pct | 64th pct |
| Net worth ratio | 10.62% | 48th pct | 52th pct |
| Return on average assets | 0.59% | 40th pct | 39th pct |
| Net interest margin | 2.91% | 22th pct | 5th pct |
| Cost of funds | 2.18% | 71th pct | 82th pct |
| Loan-to-share | 90.00% | 61th pct | 64th pct |
| Delinquency 60+ days | 0.92% | 75th pct | 74th pct |
| Net charge-off ratio | 0.77% | 73th pct | 54th pct |
| Loan growth YoY | 1.16% | 41th pct | 50th pct |
| Share growth YoY | 1.37% | 13th pct | 15th pct |
| Efficiency ratio | 70.53% | 43th pct | 31th pct |
structural peer set hash: c541d3477f415448b91be2b592605044… (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.