FORT WORTH COMMUNITY
Charter #68471 · Bedford, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 74,260 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.88% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.04% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.85% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 84th — a 65-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 | FORT WORTH COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.30B | 19th pct | 84th pct |
| Members | 74,260 | 22th pct | 82th pct |
| Net worth ratio | 10.55% | 46th pct | 39th pct |
| Return on average assets | 0.56% | 36th pct | 41th pct |
| Net interest margin | 2.88% | 20th pct | 8th pct |
| Cost of funds | 0.04% | 2th pct | 2th pct |
| Loan-to-share | 52.96% | 4th pct | 18th pct |
| Delinquency 60+ days | 0.63% | 50th pct | 66th pct |
| Net charge-off ratio | 0.85% | 78th pct | 80th pct |
| Loan growth YoY | -2.53% | 7th pct | 20th pct |
| Share growth YoY | 1.07% | 10th pct | 15th pct |
| Efficiency ratio | 74.38% | 56th pct | 36th pct |
structural peer set hash: 8f44074d4c685dd32b3e24f996984ac2… (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.