Andrews School
Andrews, TX · Charter 10739 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$6.7MAssets
$3.5MLoans
$4.8MShares
$1.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of credit unions under $1B in assets in TX (rank 19 of 235).
- Widest gap: return on equity trails 63% of credit unions under $1B in assets in TX (rank 147 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.75%
Rank 100 of 235
Net Interest Margin
4.21%
Rank 71 of 235
Efficiency Ratio
77.78%
Rank 94 of 235
Equity / Assets
28.21%
Rank 19 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.17% | 0.57% | 1.10% | Beats 57% | 100 / 235 | | |
| Return on Equity | 2.65% | 1.03% | 4.30% | 7.58% | Beats 37% | 147 / 235 | | |
| Net Interest Margin | 4.21% | 3.32% | 3.89% | 4.35% | Beats 70% | 71 / 235 | | |
| Efficiency Ratio | 77.78% | 70.60% | 82.00% | 91.57% | Beats 60% | 94 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.20% | 0.59% | 1.14% | Beats 56% | 105 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 28.21% | 11.30% | 14.41% | 19.49% | Beats 92% | 19 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 28.21% | 11.30% | 14.41% | 19.49% | Beats 92% | 19 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.19% | 54.18% | 67.38% | 81.66% | 61st pctl | 91 / 235 | | |
| Loans / Assets | 52.22% | 43.80% | 56.63% | 68.64% | 40th pctl | 140 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |