Naft
Pharr, TX · Charter 10994 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$162.3MAssets
$69.7MLoans
$135.7MShares
$26.7MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 92% of credit unions under $1B in assets in TX (rank 19 of 235).
- Widest gap: net interest margin trails 71% of credit unions under $1B in assets in TX (rank 166 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.73%
Rank 19 of 235
Net Interest Margin
3.43%
Rank 166 of 235
Efficiency Ratio
62.98%
Rank 29 of 235
Equity / Assets
16.44%
Rank 84 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.17% | 0.57% | 1.10% | Beats 92% | 19 / 235 | | |
| Return on Equity | 10.53% | 1.03% | 4.30% | 7.58% | Beats 87% | 30 / 235 | | |
| Net Interest Margin | 3.43% | 3.32% | 3.89% | 4.35% | Beats 29% | 166 / 235 | | |
| Efficiency Ratio | 62.98% | 70.60% | 82.00% | 91.57% | Beats 88% | 29 / 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 | 16.44% | 11.30% | 14.41% | 19.49% | Beats 64% | 84 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.44% | 11.30% | 14.41% | 19.49% | Beats 64% | 84 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.34% | 54.18% | 67.38% | 81.66% | 21st pctl | 186 / 235 | | |
| Loans / Assets | 42.92% | 43.80% | 56.63% | 68.64% | 23rd pctl | 181 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |