ANDERSON COUNTY
Charter #9880 · Palestine, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.97% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.25% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 56.56% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 36th — 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 | ANDERSON COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.40M | 55th pct | 67th pct |
| Members | 2,125 | 51th pct | 61th pct |
| Net worth ratio | 16.81% | 70th pct | 64th pct |
| Return on average assets | 1.97% | 94th pct | 87th pct |
| Net interest margin | 3.93% | 54th pct | 66th pct |
| Cost of funds | 0.84% | 49th pct | 54th pct |
| Loan-to-share | 38.22% | 18th pct | 36th pct |
| Delinquency 60+ days | 2.25% | 87th pct | 87th pct |
| Net charge-off ratio | 0.29% | 61th pct | 70th pct |
| Loan growth YoY | 2.58% | 85th pct | 85th pct |
| Share growth YoY | 7.70% | 90th pct | 82th pct |
| Efficiency ratio | 56.56% | 7th pct | 15th pct |
structural peer set hash: 9a59634840043516f3aa85cc2d61e896… (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.