Heart O' Texas
Waco, TX · Charter 11032 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$54.6MAssets
$40.4MLoans
$50.3MShares
$4.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 60% of credit unions under $1B in assets in TX (rank 95 of 235).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets in TX (rank 231 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.04%
Rank 195 of 235
Net Interest Margin
4.00%
Rank 95 of 235
Efficiency Ratio
88.99%
Rank 164 of 235
Equity / Assets
7.43%
Rank 231 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.04% | 0.17% | 0.57% | 1.10% | Beats 17% | 195 / 235 | |
| Return on Equity | 0.59% | 1.03% | 4.30% | 7.58% | Beats 21% | 185 / 235 | |
| Net Interest Margin | 4.00% | 3.32% | 3.89% | 4.35% | Beats 60% | 95 / 235 | |
| Efficiency Ratio | 88.99% | 70.60% | 82.00% | 91.57% | Beats 31% | 164 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.20% | 0.59% | 1.14% | Beats 33% | 159 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.43% | 11.30% | 14.41% | 19.49% | Beats 2% | 231 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.43% | 11.30% | 14.41% | 19.49% | Beats 2% | 231 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 80.24% | 54.18% | 67.38% | 81.66% | 73rd pctl | 64 / 235 | |
| Loans / Assets | 73.90% | 43.80% | 56.63% | 68.64% | 84th pctl | 38 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |