Greater Central Texas
Killeen, TX · Charter 11995 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$34.2MAssets
$8.0MLoans
$30.2MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in TX (rank 19 of 235).
- Widest gap: equity / assets trails 75% of credit unions under $1B in assets in TX (rank 177 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.83%
Rank 89 of 235
Net Interest Margin
3.80%
Rank 129 of 235
Efficiency Ratio
78.98%
Rank 102 of 235
Equity / Assets
11.30%
Rank 177 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.17% | 0.57% | 1.10% | Beats 62% | 89 / 235 | | |
| Return on Equity | 7.36% | 1.03% | 4.30% | 7.58% | Beats 73% | 64 / 235 | | |
| Net Interest Margin | 3.80% | 3.32% | 3.89% | 4.35% | Beats 45% | 129 / 235 | | |
| Efficiency Ratio | 78.98% | 70.60% | 82.00% | 91.57% | Beats 57% | 102 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.30% | 11.30% | 14.41% | 19.49% | Beats 25% | 177 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.30% | 11.30% | 14.41% | 19.49% | Beats 25% | 177 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 26.44% | 54.18% | 67.38% | 81.66% | 3rd pctl | 229 / 235 | | |
| Loans / Assets | 23.38% | 43.80% | 56.63% | 68.64% | 3rd pctl | 227 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |