HARRIS COUNTY
Charter #7552 · Houston, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.53% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.86% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.65% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.19% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 55.34% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
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 | HARRIS COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $222.51M | 57th pct | 61th pct |
| Members | 20,015 | 77th pct | 74th pct |
| Net worth ratio | 22.53% | 98th pct | 92th pct |
| Return on average assets | 1.86% | 95th pct | 90th pct |
| Net interest margin | 4.24% | 82th pct | 72th pct |
| Cost of funds | 0.68% | 25th pct | 38th pct |
| Loan-to-share | 64.76% | 35th pct | 59th pct |
| Delinquency 60+ days | 1.65% | 92th pct | 93th pct |
| Net charge-off ratio | 1.19% | 92th pct | 85th pct |
| Loan growth YoY | -4.16% | 9th pct | 10th pct |
| Share growth YoY | 2.24% | 31th pct | 41th pct |
| Efficiency ratio | 55.34% | 4th pct | 3th pct |
structural peer set hash: e23422002abfa312dab8ac7f9f9b3ad7… (reproducible)
Closest structural peers
This is the free public view
Claim HARRIS COUNTY
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.