Hale County Teachers
Plainview, TX · Charter 15297 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$11.1MAssets
$5.3MLoans
$9.9MShares
$1.1MNet 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: net interest margin trails 94% of credit unions under $1B in assets in TX (rank 222 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.16%
Rank 207 of 235
Net Interest Margin
2.74%
Rank 222 of 235
Efficiency Ratio
105.63%
Rank 219 of 235
Equity / Assets
10.37%
Rank 191 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.16% | 0.17% | 0.57% | 1.10% | Beats 12% | 207 / 235 | |
| Return on Equity | -1.57% | 1.03% | 4.30% | 7.58% | Beats 11% | 210 / 235 | |
| Net Interest Margin | 2.74% | 3.32% | 3.89% | 4.35% | Beats 6% | 222 / 235 | |
| Efficiency Ratio | 105.63% | 70.60% | 82.00% | 91.57% | Beats 7% | 219 / 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 | 10.37% | 11.30% | 14.41% | 19.49% | Beats 19% | 191 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.37% | 11.30% | 14.41% | 19.49% | Beats 19% | 191 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 53.78% | 54.18% | 67.38% | 81.66% | 24th pctl | 179 / 235 | |
| Loans / Assets | 47.82% | 43.80% | 56.63% | 68.64% | 31st pctl | 162 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |