Northeast Texas Teachers
Paris, TX · Charter 14170 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$33.1MAssets
$6.4MLoans
$28.1MShares
$4.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 60% of credit unions under $1B in assets in TX (rank 95 of 235).
- Widest gap: net interest margin trails 77% of credit unions under $1B in assets in TX (rank 181 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.50%
Rank 127 of 235
Net Interest Margin
3.29%
Rank 181 of 235
Efficiency Ratio
85.48%
Rank 144 of 235
Equity / Assets
14.45%
Rank 117 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.17% | 0.57% | 1.10% | Beats 46% | 127 / 235 | | |
| Return on Equity | 3.47% | 1.03% | 4.30% | 7.58% | Beats 43% | 133 / 235 | | |
| Net Interest Margin | 3.29% | 3.32% | 3.89% | 4.35% | Beats 23% | 181 / 235 | | |
| Efficiency Ratio | 85.48% | 70.60% | 82.00% | 91.57% | Beats 39% | 144 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.20% | 0.59% | 1.14% | Beats 60% | 95 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.45% | 11.30% | 14.41% | 19.49% | Beats 50% | 117 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.45% | 11.30% | 14.41% | 19.49% | Beats 50% | 117 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 22.75% | 54.18% | 67.38% | 81.66% | 1st pctl | 232 / 235 | | |
| Loans / Assets | 19.31% | 43.80% | 56.63% | 68.64% | 2nd pctl | 231 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |