Complex Community
Odessa, TX · Charter 12697 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 11 branches
Q2 2026
$818.2MAssets
$501.4MLoans
$708.9MShares
$112.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets in TX (rank 27 of 235).
- Widest gap: net interest margin trails 62% of credit unions under $1B in assets in TX (rank 146 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.46%
Rank 37 of 235
Net Interest Margin
3.65%
Rank 146 of 235
Efficiency Ratio
64.11%
Rank 33 of 235
Equity / Assets
13.79%
Rank 126 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.17% | 0.57% | 1.10% | Beats 84% | 37 / 235 | |
| Return on Equity | 10.60% | 1.03% | 4.30% | 7.58% | Beats 89% | 27 / 235 | |
| Net Interest Margin | 3.65% | 3.32% | 3.89% | 4.35% | Beats 38% | 146 / 235 | |
| Efficiency Ratio | 64.11% | 70.60% | 82.00% | 91.57% | Beats 86% | 33 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.20% | 0.59% | 1.14% | Beats 50% | 118 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.79% | 11.30% | 14.41% | 19.49% | Beats 46% | 126 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.79% | 11.30% | 14.41% | 19.49% | Beats 46% | 126 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 70.72% | 54.18% | 67.38% | 81.66% | 57th pctl | 101 / 235 | |
| Loans / Assets | 61.27% | 43.80% | 56.63% | 68.64% | 60th pctl | 94 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |