Laredo Fire Department
Laredo, TX · Charter 12472 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$14.7MAssets
$12.1MLoans
$12.8MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets in TX (rank 5 of 235).
- Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets in TX (rank 198 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.05%
Rank 190 of 235
Net Interest Margin
5.74%
Rank 5 of 235
Efficiency Ratio
94.37%
Rank 191 of 235
Equity / Assets
12.50%
Rank 147 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 19% | 190 / 235 | |
| Return on Equity | 0.43% | 1.03% | 4.30% | 7.58% | Beats 19% | 190 / 235 | |
| Net Interest Margin | 5.74% | 3.32% | 3.89% | 4.35% | Beats 98% | 5 / 235 | |
| Efficiency Ratio | 94.37% | 70.60% | 82.00% | 91.57% | Beats 19% | 191 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.74% | 0.20% | 0.59% | 1.14% | Beats 16% | 198 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.50% | 11.30% | 14.41% | 19.49% | Beats 37% | 147 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.50% | 11.30% | 14.41% | 19.49% | Beats 37% | 147 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 95.08% | 54.18% | 67.38% | 81.66% | 94th pctl | 15 / 235 | |
| Loans / Assets | 82.50% | 43.80% | 56.63% | 68.64% | 96th pctl | 9 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |