Big Spring Education Employees
Big Spring, TX · Charter 10577 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$55.3MAssets
$21.1MLoans
$44.9MShares
$10.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 99% of credit unions under $1B in assets in TX (rank 2 of 235).
- Widest gap: equity / assets trails 27% of credit unions under $1B in assets in TX (rank 64 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.72%
Rank 2 of 235
Net Interest Margin
4.88%
Rank 23 of 235
Efficiency Ratio
61.94%
Rank 23 of 235
Equity / Assets
18.56%
Rank 64 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.72% | 0.17% | 0.57% | 1.10% | Beats 99% | 2 / 235 | |
| Return on Equity | 14.65% | 1.03% | 4.30% | 7.58% | Beats 97% | 6 / 235 | |
| Net Interest Margin | 4.88% | 3.32% | 3.89% | 4.35% | Beats 90% | 23 / 235 | |
| Efficiency Ratio | 61.94% | 70.60% | 82.00% | 91.57% | Beats 91% | 23 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.20% | 0.59% | 1.14% | Beats 81% | 45 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.56% | 11.30% | 14.41% | 19.49% | Beats 73% | 64 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.56% | 11.30% | 14.41% | 19.49% | Beats 73% | 64 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 47.08% | 54.18% | 67.38% | 81.66% | 15th pctl | 199 / 235 | |
| Loans / Assets | 38.25% | 43.80% | 56.63% | 68.64% | 17th pctl | 194 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |