FIVEPOINT
Charter #68643 · Nederland, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.90% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.00% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.15% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 82.85% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 52nd — a 44-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 | FIVEPOINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.12B | 9th pct | 52th pct |
| Members | 58,218 | 9th pct | 36th pct |
| Net worth ratio | 8.90% | 11th pct | 23th pct |
| Return on average assets | -0.00% | 4th pct | 3th pct |
| Net interest margin | 3.56% | 64th pct | 34th pct |
| Cost of funds | 2.15% | 69th pct | 87th pct |
| Loan-to-share | 86.20% | 49th pct | 49th pct |
| Delinquency 60+ days | 0.62% | 48th pct | 43th pct |
| Net charge-off ratio | 0.79% | 74th pct | 51th pct |
| Loan growth YoY | 2.38% | 60th pct | 67th pct |
| Share growth YoY | 4.32% | 56th pct | 61th pct |
| Efficiency ratio | 82.85% | 87th pct | 79th pct |
structural peer set hash: 499a8ffff51ee329f354390e6e0eb258… (reproducible)
Closest structural peers
This is the free public view
Claim FIVEPOINT
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.