MY COMMUNITY
Charter #68682 · Midland, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.25% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 5.13% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.27% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.97% sits at the 75th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 33rd — 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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $559.32M | 16th pct | 26th pct |
| Members | 43,979 | 56th pct | 33th pct |
| Net worth ratio | 10.14% | 45th pct | 39th pct |
| Return on average assets | 0.25% | 20th pct | 15th pct |
| Net interest margin | 5.13% | 99th pct | 97th pct |
| Cost of funds | 1.30% | 38th pct | 39th pct |
| Loan-to-share | 90.04% | 79th pct | 62th pct |
| Delinquency 60+ days | 1.27% | 89th pct | 92th pct |
| Net charge-off ratio | 0.97% | 86th pct | 75th pct |
| Loan growth YoY | 3.89% | 82th pct | 69th pct |
| Share growth YoY | 4.08% | 51th pct | 36th pct |
| Efficiency ratio | 81.42% | 64th pct | 70th pct |
structural peer set hash: c69b99df8ea479cd35227f16d0884836… (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.