Morris Sheppard Texarkana
Texarkana, TX · Charter 1 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$13.2MAssets
$9.2MLoans
$11.7MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 84% of credit unions under $1B in assets in TX (rank 38 of 235).
- Widest gap: equity / assets trails 71% of credit unions under $1B in assets in TX (rank 168 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.12%
Rank 57 of 235
Net Interest Margin
4.30%
Rank 61 of 235
Efficiency Ratio
72.64%
Rank 67 of 235
Equity / Assets
11.64%
Rank 168 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.17% | 0.57% | 1.10% | Beats 76% | 57 / 235 | | |
| Return on Equity | 9.62% | 1.03% | 4.30% | 7.58% | Beats 84% | 38 / 235 | | |
| Net Interest Margin | 4.30% | 3.32% | 3.89% | 4.35% | Beats 74% | 61 / 235 | | |
| Efficiency Ratio | 72.64% | 70.60% | 82.00% | 91.57% | Beats 72% | 67 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.20% | 0.59% | 1.14% | Beats 57% | 101 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.64% | 11.30% | 14.41% | 19.49% | Beats 29% | 168 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.64% | 11.30% | 14.41% | 19.49% | Beats 29% | 168 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.07% | 54.18% | 67.38% | 81.66% | 71st pctl | 68 / 235 | | |
| Loans / Assets | 69.84% | 43.80% | 56.63% | 68.64% | 77th pctl | 53 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |