HB TELCO
Charter #9888 · Huron, SD · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.16% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 3.88% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.05% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 128.15% sits at the 95th 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 | HB TELCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.94M | 59th pct | 30th pct |
| Members | 788 | 68th pct | 41th pct |
| Net worth ratio | 8.71% | 8th pct | 28th pct |
| Return on average assets | -1.16% | 15th pct | 13th pct |
| Net interest margin | 3.88% | 45th pct | 20th pct |
| Cost of funds | 1.27% | 73th pct | 56th pct |
| Loan-to-share | 72.62% | 67th pct | 48th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.05% | 16th pct | 15th pct |
| Loan growth YoY | -9.75% | 29th pct | 3th pct |
| Share growth YoY | -0.65% | 44th pct | 28th pct |
| Efficiency ratio | 128.15% | 89th pct | 95th pct |
structural peer set hash: 851a10a0f0d5b94db041a9c77d248bc7… (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.