UNION SQUARE
Charter #68664 · Wichita Falls, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 35,371 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 8.25% sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 0.15% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 2.22% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.64% sits at the 95th percentile of structural peers — worth a closer look.
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 | UNION SQUARE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $599.40M | 24th pct | 21th pct |
| Members | 35,371 | 32th pct | 21th pct |
| Net worth ratio | 8.25% | 9th pct | 15th pct |
| Return on average assets | 0.15% | 12th pct | 15th pct |
| Net interest margin | 3.62% | 61th pct | 66th pct |
| Cost of funds | 2.22% | 89th pct | 95th pct |
| Loan-to-share | 79.59% | 45th pct | 33th pct |
| Delinquency 60+ days | 2.64% | 99th pct | 95th pct |
| Net charge-off ratio | 0.62% | 69th pct | 62th pct |
| Loan growth YoY | 0.18% | 42th pct | 49th pct |
| Share growth YoY | -0.88% | 5th pct | 7th pct |
| Efficiency ratio | 82.09% | 68th pct | 54th pct |
structural peer set hash: 0881ce464a3587114867a6d5bda69f5e… (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.