VALLEY
Charter #850 · Brownsville, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.60% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.72% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 61st — a 48-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 | VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $118.81M | 13th pct | 61th pct |
| Members | 9,380 | 28th pct | 59th pct |
| Net worth ratio | 12.58% | 65th pct | 56th pct |
| Return on average assets | 0.36% | 27th pct | 33th pct |
| Net interest margin | 4.60% | 91th pct | 93th pct |
| Cost of funds | 0.92% | 35th pct | 61th pct |
| Loan-to-share | 70.88% | 49th pct | 54th pct |
| Delinquency 60+ days | 0.34% | 25th pct | 39th pct |
| Net charge-off ratio | 0.72% | 79th pct | 85th pct |
| Loan growth YoY | 3.41% | 78th pct | 87th pct |
| Share growth YoY | 4.31% | 62th pct | 56th pct |
| Efficiency ratio | 87.57% | 79th pct | 67th pct |
structural peer set hash: 8f448623a1defc4d9c284654a0a1b79f… (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.