Salt Employees
Grand Saline, TX · Charter 15001 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$1.5MAssets
$698KLoans
$764KShares
$660KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in TX (rank 19 of 235).
- Widest gap: return on assets trails 90% of credit unions under $1B in assets in TX (rank 211 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-0.41%
Rank 211 of 235
Net Interest Margin
4.47%
Rank 48 of 235
Efficiency Ratio
100.00%
Rank 210 of 235
Equity / Assets
44.65%
Rank 2 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.41% | 0.17% | 0.57% | 1.10% | Beats 10% | 211 / 235 | |
| Return on Equity | -0.91% | 1.03% | 4.30% | 7.58% | Beats 11% | 208 / 235 | |
| Net Interest Margin | 4.47% | 3.32% | 3.89% | 4.35% | Beats 80% | 48 / 235 | |
| Efficiency Ratio | 100.00% | 70.60% | 82.00% | 91.57% | Beats 12% | 210 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 44.65% | 11.30% | 14.41% | 19.49% | Beats 99% | 2 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 44.65% | 11.30% | 14.41% | 19.49% | Beats 99% | 2 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 91.36% | 54.18% | 67.38% | 81.66% | 90th pctl | 24 / 235 | |
| Loans / Assets | 47.23% | 43.80% | 56.63% | 68.64% | 31st pctl | 163 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |