Sweetwater Regional
Sweetwater, TX · Charter 11377 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$6.6MAssets
$2.7MLoans
$5.3MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets in TX (rank 41 of 235).
- Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets in TX (rank 222 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-0.60%
Rank 217 of 235
Net Interest Margin
4.23%
Rank 67 of 235
Efficiency Ratio
107.39%
Rank 222 of 235
Equity / Assets
19.52%
Rank 58 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.60% | 0.17% | 0.57% | 1.10% | Beats 8% | 217 / 235 | |
| Return on Equity | -3.10% | 1.03% | 4.30% | 7.58% | Beats 9% | 215 / 235 | |
| Net Interest Margin | 4.23% | 3.32% | 3.89% | 4.35% | Beats 71% | 67 / 235 | |
| Efficiency Ratio | 107.39% | 70.60% | 82.00% | 91.57% | Beats 6% | 222 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.20% | 0.59% | 1.14% | Beats 83% | 41 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.52% | 11.30% | 14.41% | 19.49% | Beats 75% | 58 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.52% | 11.30% | 14.41% | 19.49% | Beats 75% | 58 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 51.54% | 54.18% | 67.38% | 81.66% | 21st pctl | 185 / 235 | |
| Loans / Assets | 41.29% | 43.80% | 56.63% | 68.64% | 22nd pctl | 184 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |