FRIONA TEXAS
Charter #9843 · Friona, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -4.97% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 2.17% sits at the 0th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 11.68% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.69% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 124.74% sits at the 97th 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 | FRIONA TEXAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.45M | 19th pct | 28th pct |
| Members | 1,655 | 31th pct | 31th pct |
| Net worth ratio | 14.64% | 57th pct | 62th pct |
| Return on average assets | -4.97% | 1th pct | 0th pct |
| Net interest margin | 2.17% | 3th pct | 0th pct |
| Cost of funds | 1.15% | 64th pct | 72th pct |
| Loan-to-share | 38.64% | 19th pct | 28th pct |
| Delinquency 60+ days | 11.68% | 100th pct | 98th pct |
| Net charge-off ratio | 1.69% | 93th pct | 89th pct |
| Loan growth YoY | -10.39% | 6th pct | 13th pct |
| Share growth YoY | 0.07% | 27th pct | 38th pct |
| Efficiency ratio | 124.74% | 98th pct | 97th pct |
structural peer set hash: c3b6de831c790fe2dcdb80c152a1641e… (reproducible)
Closest structural peers
This is the free public view
Claim FRIONA TEXAS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.