RANDOLPH-BROOKS
Charter #8111 · UNIVERSAL CITY, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of $1.15M ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.18% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.39% sits at the 82nd percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 36th — a 19-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 | RANDOLPH-BROOKS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.19B | 98th pct | 89th pct |
| Members | $1.15M | 98th pct | 89th pct |
| Net worth ratio | 13.18% | 83th pct | 82th pct |
| Return on average assets | 1.02% | 74th pct | 64th pct |
| Net interest margin | 3.36% | 50th pct | 46th pct |
| Cost of funds | 2.39% | 83th pct | 82th pct |
| Loan-to-share | 82.09% | 37th pct | 25th pct |
| Delinquency 60+ days | 1.00% | 78th pct | 74th pct |
| Net charge-off ratio | 0.73% | 69th pct | 51th pct |
| Loan growth YoY | 0.21% | 30th pct | 28th pct |
| Share growth YoY | 3.94% | 47th pct | 54th pct |
| Efficiency ratio | 62.43% | 17th pct | 36th pct |
structural peer set hash: a5e73bf1e886249f41ec488300cd3e65… (reproducible)
Closest structural peers
This is the free public view
Claim RANDOLPH-BROOKS
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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.