McLennan County Employees
Waco, TX · Charter 10461 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$21.6MAssets
$6.6MLoans
$15.9MShares
$5.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of credit unions under $1B in assets in TX (rank 23 of 235).
- Widest gap: efficiency ratio trails 79% of credit unions under $1B in assets in TX (rank 186 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.16%
Rank 180 of 235
Net Interest Margin
3.31%
Rank 178 of 235
Efficiency Ratio
93.73%
Rank 186 of 235
Equity / Assets
25.62%
Rank 27 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.16% | 0.17% | 0.57% | 1.10% | Beats 23% | 180 / 235 | |
| Return on Equity | 0.62% | 1.03% | 4.30% | 7.58% | Beats 22% | 184 / 235 | |
| Net Interest Margin | 3.31% | 3.32% | 3.89% | 4.35% | Beats 24% | 178 / 235 | |
| Efficiency Ratio | 93.73% | 70.60% | 82.00% | 91.57% | Beats 21% | 186 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.20% | 0.59% | 1.14% | Beats 91% | 23 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 25.62% | 11.30% | 14.41% | 19.49% | Beats 89% | 27 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 25.62% | 11.30% | 14.41% | 19.49% | Beats 89% | 27 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 41.33% | 54.18% | 67.38% | 81.66% | 10th pctl | 211 / 235 | |
| Loans / Assets | 30.57% | 43.80% | 56.63% | 68.64% | 9th pctl | 215 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |