Walker County
Huntsville, TX · Charter 12068 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$54.3MAssets
$31.8MLoans
$44.9MShares
$8.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets in TX (rank 24 of 235).
- Widest gap: nonperforming loans / loans trails 49% of credit unions under $1B in assets in TX (rank 115 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.02%
Rank 66 of 235
Net Interest Margin
4.85%
Rank 24 of 235
Efficiency Ratio
73.67%
Rank 74 of 235
Equity / Assets
16.48%
Rank 83 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.17% | 0.57% | 1.10% | Beats 72% | 66 / 235 | | |
| Return on Equity | 6.22% | 1.03% | 4.30% | 7.58% | Beats 65% | 83 / 235 | | |
| Net Interest Margin | 4.85% | 3.32% | 3.89% | 4.35% | Beats 90% | 24 / 235 | | |
| Efficiency Ratio | 73.67% | 70.60% | 82.00% | 91.57% | Beats 69% | 74 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.20% | 0.59% | 1.14% | Beats 51% | 115 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.48% | 11.30% | 14.41% | 19.49% | Beats 65% | 83 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.48% | 11.30% | 14.41% | 19.49% | Beats 65% | 83 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.74% | 54.18% | 67.38% | 81.66% | 57th pctl | 100 / 235 | | |
| Loans / Assets | 58.59% | 43.80% | 56.63% | 68.64% | 54th pctl | 109 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |