Laredo
Laredo, TX · Charter 11011 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$136.6MAssets
$79.0MLoans
$125.6MShares
$15.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 74% of credit unions under $1B in assets in TX (rank 62 of 235).
- Widest gap: equity / assets trails 75% of credit unions under $1B in assets in TX (rank 176 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.75%
Rank 99 of 235
Net Interest Margin
4.29%
Rank 62 of 235
Efficiency Ratio
82.35%
Rank 123 of 235
Equity / Assets
11.31%
Rank 176 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.17% | 0.57% | 1.10% | Beats 58% | 99 / 235 | |
| Return on Equity | 6.65% | 1.03% | 4.30% | 7.58% | Beats 69% | 73 / 235 | |
| Net Interest Margin | 4.29% | 3.32% | 3.89% | 4.35% | Beats 74% | 62 / 235 | |
| Efficiency Ratio | 82.35% | 70.60% | 82.00% | 91.57% | Beats 48% | 123 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.20% | 0.59% | 1.14% | Beats 66% | 80 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.31% | 11.30% | 14.41% | 19.49% | Beats 25% | 176 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.31% | 11.30% | 14.41% | 19.49% | Beats 25% | 176 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 62.89% | 54.18% | 67.38% | 81.66% | 41st pctl | 139 / 235 | |
| Loans / Assets | 57.82% | 43.80% | 56.63% | 68.64% | 52nd pctl | 113 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |