Coastal Bend P O
Victoria, TX · Charter 11164 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$12.5MAssets
$4.0MLoans
$9.1MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 91% of credit unions under $1B in assets in TX (rank 22 of 235).
- Widest gap: net interest margin trails 95% of credit unions under $1B in assets in TX (rank 223 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.14%
Rank 182 of 235
Net Interest Margin
2.66%
Rank 223 of 235
Efficiency Ratio
86.67%
Rank 152 of 235
Equity / Assets
27.14%
Rank 22 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.14% | 0.17% | 0.57% | 1.10% | Beats 23% | 182 / 235 | |
| Return on Equity | 0.53% | 1.03% | 4.30% | 7.58% | Beats 20% | 187 / 235 | |
| Net Interest Margin | 2.66% | 3.32% | 3.89% | 4.35% | Beats 5% | 223 / 235 | |
| Efficiency Ratio | 86.67% | 70.60% | 82.00% | 91.57% | Beats 36% | 152 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.75% | 0.20% | 0.59% | 1.14% | Beats 6% | 223 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 27.14% | 11.30% | 14.41% | 19.49% | Beats 91% | 22 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 27.14% | 11.30% | 14.41% | 19.49% | Beats 91% | 22 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 43.81% | 54.18% | 67.38% | 81.66% | 12th pctl | 207 / 235 | |
| Loans / Assets | 31.85% | 43.80% | 56.63% | 68.64% | 9th pctl | 213 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |