SP TRAINMEN
Charter #9496 · Houston, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 474 sits at the 23rd percentile of structural peers — worth a closer look.
- Net worth ratio of 9.99% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of -1.90% sits at the 2nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.37% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 25th 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 | SP TRAINMEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.72M | 38th pct | 13th pct |
| Members | 474 | 41th pct | 23th pct |
| Net worth ratio | 9.99% | 13th pct | 18th pct |
| Return on average assets | -1.90% | 11th pct | 2th pct |
| Net interest margin | 2.72% | 16th pct | 31th pct |
| Cost of funds | 1.09% | 68th pct | 66th pct |
| Loan-to-share | 27.76% | 17th pct | 28th pct |
| Delinquency 60+ days | 3.37% | 80th pct | 85th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -17.26% | 10th pct | 8th pct |
| Share growth YoY | -0.71% | 44th pct | 56th pct |
| Efficiency ratio | 168.77% | 95th pct | 95th pct |
structural peer set hash: 4b85d5f6ef34a280c58b06310e28a026… (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.