B. P. S.
Beeville, TX · Charter 13062 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$2.9MAssets
$1.1MLoans
$1.1MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 100% of credit unions under $1B in assets in TX (rank 1 of 235).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets in TX (rank 195 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.83%
Rank 87 of 235
Net Interest Margin
3.20%
Rank 195 of 235
Efficiency Ratio
73.91%
Rank 76 of 235
Equity / Assets
61.73%
Rank 1 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.17% | 0.57% | 1.10% | Beats 63% | 87 / 235 | |
| Return on Equity | 1.35% | 1.03% | 4.30% | 7.58% | Beats 28% | 170 / 235 | |
| Net Interest Margin | 3.20% | 3.32% | 3.89% | 4.35% | Beats 17% | 195 / 235 | |
| Efficiency Ratio | 73.91% | 70.60% | 82.00% | 91.57% | Beats 68% | 76 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.20% | 0.59% | 1.14% | Beats 37% | 148 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 61.73% | 11.30% | 14.41% | 19.49% | Beats 100% | 1 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 61.73% | 11.30% | 14.41% | 19.49% | Beats 100% | 1 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 96.80% | 54.18% | 67.38% | 81.66% | 97th pctl | 7 / 235 | |
| Loans / Assets | 36.84% | 43.80% | 56.63% | 68.64% | 15th pctl | 200 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |