E M O T
Charter #9457 · Abilene, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 470 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 39.34% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.17% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.67% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.83% sits at the 82nd 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 | E M O T | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.26M | 96th pct | 62th pct |
| Members | 470 | 40th pct | 8th pct |
| Net worth ratio | 39.34% | 94th pct | 90th pct |
| Return on average assets | 1.05% | 73th pct | 64th pct |
| Net interest margin | 3.17% | 24th pct | 16th pct |
| Cost of funds | 2.67% | 94th pct | 95th pct |
| Loan-to-share | 51.21% | 41th pct | 36th pct |
| Delinquency 60+ days | 1.90% | 67th pct | 66th pct |
| Net charge-off ratio | 1.83% | 90th pct | 82th pct |
| Loan growth YoY | -0.08% | 74th pct | 80th pct |
| Share growth YoY | 2.29% | 67th pct | 69th pct |
| Efficiency ratio | 59.10% | 15th pct | 15th pct |
structural peer set hash: 14cc50af23860c11502bb2dd184e497b… (reproducible)
Closest structural peers
This is the free public view
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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.