SOUTH TEXAS REGIONAL
Charter #7024 · Laredo, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.72% 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 67th percentile but its structural peers at the 30th — a 37-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 | SOUTH TEXAS REGIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.61M | 67th pct | 30th pct |
| Members | 1,116 | 87th pct | 59th pct |
| Net worth ratio | 15.64% | 42th pct | 59th pct |
| Return on average assets | 0.77% | 64th pct | 72th pct |
| Net interest margin | 4.73% | 71th pct | 66th pct |
| Cost of funds | 0.45% | 47th pct | 30th pct |
| Loan-to-share | 82.64% | 80th pct | 75th pct |
| Delinquency 60+ days | 1.72% | 64th pct | 79th pct |
| Net charge-off ratio | 0.07% | 74th pct | 66th pct |
| Loan growth YoY | 0.70% | 77th pct | 75th pct |
| Share growth YoY | -0.66% | 44th pct | 28th pct |
| Efficiency ratio | 85.76% | 49th pct | 51th pct |
structural peer set hash: 274eae846fc3ce04463bd25fccd0b283… (reproducible)
Closest structural peers
This is the free public view
Claim SOUTH TEXAS REGIONAL
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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.