SOUTH TEXAS
Charter #8237 · McALLEN, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,195 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.43% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 0.11% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.23% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.20% sits at the 80th percentile of structural peers — worth a closer look.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $68.90M | 44th pct | 69th pct |
| Members | 6,195 | 68th pct | 80th pct |
| Net worth ratio | 8.43% | 5th pct | 8th pct |
| Return on average assets | 0.11% | 18th pct | 18th pct |
| Net interest margin | 3.47% | 37th pct | 46th pct |
| Cost of funds | 0.23% | 11th pct | 23th pct |
| Loan-to-share | 30.62% | 5th pct | 23th pct |
| Delinquency 60+ days | 1.20% | 78th pct | 80th pct |
| Net charge-off ratio | 1.16% | 91th pct | 87th pct |
| Loan growth YoY | -15.99% | 0th pct | 0th pct |
| Share growth YoY | 3.65% | 60th pct | 66th pct |
| Efficiency ratio | 89.80% | 79th pct | 72th pct |
structural peer set hash: 8155fc02bff08a796c6ce61cd35e068d… (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.