MEMBERSOURCE
Charter #68440 · Houston, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.02% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.04% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.86% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 39th — 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 | MEMBERSOURCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $205.39M | 52th pct | 38th pct |
| Members | 14,907 | 59th pct | 39th pct |
| Net worth ratio | 11.84% | 55th pct | 48th pct |
| Return on average assets | -0.02% | 7th pct | 8th pct |
| Net interest margin | 4.03% | 73th pct | 54th pct |
| Cost of funds | 0.04% | 4th pct | 3th pct |
| Loan-to-share | 78.56% | 65th pct | 56th pct |
| Delinquency 60+ days | 0.45% | 36th pct | 39th pct |
| Net charge-off ratio | 0.72% | 79th pct | 66th pct |
| Loan growth YoY | 1.19% | 59th pct | 54th pct |
| Share growth YoY | 1.92% | 27th pct | 30th pct |
| Efficiency ratio | 90.86% | 87th pct | 85th pct |
structural peer set hash: e810a9e095d564112d1946422dd5f42f… (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.