EASTEX
Charter #97098 · Evadale, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.15% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 39th — a 18-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 | EASTEX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $132.56M | 21th pct | 39th pct |
| Members | 11,387 | 40th pct | 56th pct |
| Net worth ratio | 11.19% | 46th pct | 44th pct |
| Return on average assets | 1.07% | 73th pct | 62th pct |
| Net interest margin | 3.88% | 66th pct | 72th pct |
| Cost of funds | 1.03% | 40th pct | 51th pct |
| Loan-to-share | 54.06% | 16th pct | 23th pct |
| Delinquency 60+ days | 0.24% | 17th pct | 30th pct |
| Net charge-off ratio | 0.15% | 25th pct | 20th pct |
| Loan growth YoY | 0.11% | 49th pct | 57th pct |
| Share growth YoY | 8.40% | 93th pct | 93th pct |
| Efficiency ratio | 76.09% | 41th pct | 43th pct |
structural peer set hash: ae9a686a3efb97d83f31b8ba3e55c617… (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.