TEXELL
Charter #68608 · Temple, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.41% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.51% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.11% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 34th — a 46-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 | TEXELL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $790.71M | 68th pct | 33th pct |
| Members | 54,334 | 81th pct | 34th pct |
| Net worth ratio | 10.37% | 48th pct | 46th pct |
| Return on average assets | 1.41% | 87th pct | 93th pct |
| Net interest margin | 4.07% | 87th pct | 64th pct |
| Cost of funds | 1.85% | 76th pct | 67th pct |
| Loan-to-share | 89.12% | 75th pct | 62th pct |
| Delinquency 60+ days | 0.51% | 42th pct | 21th pct |
| Net charge-off ratio | 1.09% | 91th pct | 67th pct |
| Loan growth YoY | 3.39% | 77th pct | 77th pct |
| Share growth YoY | 2.39% | 26th pct | 23th pct |
| Efficiency ratio | 68.11% | 18th pct | 16th pct |
structural peer set hash: 4d0a7216b3be56a9e35a0dc628d4a305… (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.