Mopac Employees
Palestine, TX · Charter 1129 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$22.4MAssets
$19.1MLoans
$19.9MShares
$2.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 67% of credit unions under $1B in assets in TX (rank 78 of 235).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets in TX (rank 204 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.23%
Rank 167 of 235
Net Interest Margin
3.58%
Rank 149 of 235
Efficiency Ratio
90.70%
Rank 173 of 235
Equity / Assets
9.66%
Rank 204 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.17% | 0.57% | 1.10% | Beats 29% | 167 / 235 | |
| Return on Equity | 2.40% | 1.03% | 4.30% | 7.58% | Beats 35% | 152 / 235 | |
| Net Interest Margin | 3.58% | 3.32% | 3.89% | 4.35% | Beats 37% | 149 / 235 | |
| Efficiency Ratio | 90.70% | 70.60% | 82.00% | 91.57% | Beats 27% | 173 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.20% | 0.59% | 1.14% | Beats 67% | 78 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.66% | 11.30% | 14.41% | 19.49% | Beats 13% | 204 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.66% | 11.30% | 14.41% | 19.49% | Beats 13% | 204 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 96.15% | 54.18% | 67.38% | 81.66% | 95th pctl | 11 / 235 | |
| Loans / Assets | 85.24% | 43.80% | 56.63% | 68.64% | 98th pctl | 4 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |