INVESTEX
Charter #97112 · Humble, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 21,415 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.16% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.99% sits at the 2nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.05% sits at the 75th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 69th — a 24-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 | INVESTEX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $245.26M | 62th pct | 72th pct |
| Members | 21,415 | 81th pct | 77th pct |
| Net worth ratio | 11.31% | 47th pct | 39th pct |
| Return on average assets | 0.16% | 15th pct | 11th pct |
| Net interest margin | 2.99% | 15th pct | 2th pct |
| Cost of funds | 1.13% | 45th pct | 69th pct |
| Loan-to-share | 56.07% | 20th pct | 39th pct |
| Delinquency 60+ days | 0.64% | 53th pct | 39th pct |
| Net charge-off ratio | 1.05% | 89th pct | 75th pct |
| Loan growth YoY | -0.39% | 43th pct | 57th pct |
| Share growth YoY | 2.34% | 32th pct | 16th pct |
| Efficiency ratio | 82.58% | 64th pct | 70th pct |
structural peer set hash: 0fce028b5545cc4fd434317ef1c93e7c… (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.