NECHES
Charter #7916 · Port Neches, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.65% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.15% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.20% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.78% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 44th — a 31-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 | NECHES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.19B | 13th pct | 44th pct |
| Members | 82,912 | 29th pct | 49th pct |
| Net worth ratio | 14.65% | 92th pct | 90th pct |
| Return on average assets | 2.15% | 99th pct | 95th pct |
| Net interest margin | 3.87% | 82th pct | 69th pct |
| Cost of funds | 1.90% | 55th pct | 64th pct |
| Loan-to-share | 87.48% | 54th pct | 46th pct |
| Delinquency 60+ days | 0.20% | 8th pct | 3th pct |
| Net charge-off ratio | 0.50% | 48th pct | 36th pct |
| Loan growth YoY | 8.33% | 94th pct | 85th pct |
| Share growth YoY | 10.84% | 93th pct | 89th pct |
| Efficiency ratio | 60.78% | 13th pct | 8th pct |
structural peer set hash: e415115415e4faeacde1cfd7749c0a37… (reproducible)
Closest structural peers
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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.