MY
Charter #68545 · Haslet, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.22% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 6.13% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 57th — 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 | MY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.86M | 23th pct | 33th pct |
| Members | 6,441 | 72th pct | 62th pct |
| Net worth ratio | 12.32% | 45th pct | 56th pct |
| Return on average assets | 0.22% | 23th pct | 20th pct |
| Net interest margin | 6.13% | 99th pct | 98th pct |
| Cost of funds | 0.53% | 26th pct | 26th pct |
| Loan-to-share | 57.35% | 45th pct | 49th pct |
| Delinquency 60+ days | 0.35% | 34th pct | 57th pct |
| Net charge-off ratio | 0.17% | 41th pct | 39th pct |
| Loan growth YoY | -1.29% | 53th pct | 48th pct |
| Share growth YoY | 4.05% | 65th pct | 54th pct |
| Efficiency ratio | 83.14% | 60th pct | 67th pct |
structural peer set hash: dc19670719a4e37c04f4497206e7bb24… (reproducible)
Closest structural peers
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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.