H E B
San Antonio, TX · Charter 15650 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$218.2MAssets
$152.1MLoans
$172.6MShares
$40.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets in TX (rank 57 of 235).
- Widest gap: efficiency ratio trails 45% of credit unions under $1B in assets in TX (rank 107 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
0.94%
Rank 74 of 235
Net Interest Margin
3.97%
Rank 103 of 235
Efficiency Ratio
79.84%
Rank 107 of 235
Equity / Assets
18.31%
Rank 68 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.17% | 0.57% | 1.10% | Beats 69% | 74 / 235 | | |
| Return on Equity | 5.16% | 1.03% | 4.30% | 7.58% | Beats 58% | 99 / 235 | | |
| Net Interest Margin | 3.97% | 3.32% | 3.89% | 4.35% | Beats 56% | 103 / 235 | | |
| Efficiency Ratio | 79.84% | 70.60% | 82.00% | 91.57% | Beats 55% | 107 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.20% | 0.59% | 1.14% | Beats 76% | 57 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.31% | 11.30% | 14.41% | 19.49% | Beats 71% | 68 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.31% | 11.30% | 14.41% | 19.49% | Beats 71% | 68 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.11% | 54.18% | 67.38% | 81.66% | 84th pctl | 37 / 235 | | |
| Loans / Assets | 69.70% | 43.80% | 56.63% | 68.64% | 77th pctl | 55 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |