Southwest Research Center
San Antonio, TX · Charter 10913 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$87.6MAssets
$42.1MLoans
$77.7MShares
$10.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 86% of credit unions under $1B in assets in TX (rank 33 of 235).
- Widest gap: equity / assets trails 72% of credit unions under $1B in assets in TX (rank 170 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.16%
Rank 55 of 235
Net Interest Margin
4.07%
Rank 86 of 235
Efficiency Ratio
67.82%
Rank 45 of 235
Equity / Assets
11.55%
Rank 170 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.17% | 0.57% | 1.10% | Beats 77% | 55 / 235 | |
| Return on Equity | 10.08% | 1.03% | 4.30% | 7.58% | Beats 86% | 33 / 235 | |
| Net Interest Margin | 4.07% | 3.32% | 3.89% | 4.35% | Beats 63% | 86 / 235 | |
| Efficiency Ratio | 67.82% | 70.60% | 82.00% | 91.57% | Beats 81% | 45 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.20% | 0.59% | 1.14% | Beats 55% | 107 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.55% | 11.30% | 14.41% | 19.49% | Beats 28% | 170 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.55% | 11.30% | 14.41% | 19.49% | Beats 28% | 170 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 54.18% | 54.18% | 67.38% | 81.66% | 25th pctl | 177 / 235 | |
| Loans / Assets | 48.02% | 43.80% | 56.63% | 68.64% | 32nd pctl | 159 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |