Plains
Plainview, TX · Charter 12274 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$4.0MAssets
$2.5MLoans
$3.4MShares
$581KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of credit unions under $1B in assets in TX (rank 35 of 235).
- Widest gap: efficiency ratio trails 87% of credit unions under $1B in assets in TX (rank 206 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.05%
Rank 193 of 235
Net Interest Margin
3.99%
Rank 99 of 235
Efficiency Ratio
98.78%
Rank 206 of 235
Equity / Assets
14.49%
Rank 116 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 0.17% | 0.57% | 1.10% | Beats 18% | 193 / 235 | |
| Return on Equity | 0.34% | 1.03% | 4.30% | 7.58% | Beats 18% | 193 / 235 | |
| Net Interest Margin | 3.99% | 3.32% | 3.89% | 4.35% | Beats 58% | 99 / 235 | |
| Efficiency Ratio | 98.78% | 70.60% | 82.00% | 91.57% | Beats 13% | 206 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.20% | 0.59% | 1.14% | Beats 86% | 35 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.49% | 11.30% | 14.41% | 19.49% | Beats 51% | 116 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.49% | 11.30% | 14.41% | 19.49% | Beats 51% | 116 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 75.29% | 54.18% | 67.38% | 81.66% | 66th pctl | 81 / 235 | |
| Loans / Assets | 63.31% | 43.80% | 56.63% | 68.64% | 65th pctl | 82 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |