RESOURCE ONE
Charter #68439 · Dallas, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.61% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.56% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.08% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.83% sits at the 82nd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 72nd — a 23-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 | RESOURCE ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $654.02M | 37th pct | 20th pct |
| Members | 70,924 | 95th pct | 72th pct |
| Net worth ratio | 7.61% | 3th pct | 7th pct |
| Return on average assets | 0.58% | 46th pct | 52th pct |
| Net interest margin | 3.67% | 65th pct | 64th pct |
| Cost of funds | 1.23% | 34th pct | 30th pct |
| Loan-to-share | 79.43% | 44th pct | 44th pct |
| Delinquency 60+ days | 1.56% | 95th pct | 93th pct |
| Net charge-off ratio | 1.08% | 90th pct | 80th pct |
| Loan growth YoY | -5.69% | 1th pct | 0th pct |
| Share growth YoY | -1.51% | 3th pct | 2th pct |
| Efficiency ratio | 86.83% | 82th pct | 82th pct |
structural peer set hash: 5f6a7f6d01018fedeaef4954f2d1f5a6… (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.