KBR HERITAGE
Charter #8344 · HOUSTON, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.42% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.45% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.40% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.15% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.57% ranks in the 15th 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 | KBR HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $79.57M | 68th pct | 57th pct |
| Members | 4,364 | 36th pct | 39th pct |
| Net worth ratio | 21.42% | 93th pct | 75th pct |
| Return on average assets | 1.45% | 83th pct | 79th pct |
| Net interest margin | 3.68% | 50th pct | 31th pct |
| Cost of funds | 0.40% | 18th pct | 18th pct |
| Loan-to-share | 65.37% | 57th pct | 46th pct |
| Delinquency 60+ days | 0.42% | 39th pct | 33th pct |
| Net charge-off ratio | -0.15% | 4th pct | 2th pct |
| Loan growth YoY | -2.57% | 38th pct | 39th pct |
| Share growth YoY | -1.92% | 6th pct | 5th pct |
| Efficiency ratio | 65.57% | 18th pct | 15th pct |
structural peer set hash: db2790080b7faed1be4f3038485223e8… (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.