Common Cents
Beaumont, TX · Charter 15788 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$34.2MAssets
$21.9MLoans
$30.0MShares
$4.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 100% of credit unions under $1B in assets in TX (rank 1 of 235).
- Widest gap: equity / assets trails 67% of credit unions under $1B in assets in TX (rank 158 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
2.37%
Rank 9 of 235
Net Interest Margin
3.96%
Rank 107 of 235
Efficiency Ratio
74.66%
Rank 80 of 235
Equity / Assets
12.13%
Rank 158 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.37% | 0.17% | 0.57% | 1.10% | Beats 96% | 9 / 235 | |
| Return on Equity | 19.50% | 1.03% | 4.30% | 7.58% | Beats 100% | 1 / 235 | |
| Net Interest Margin | 3.96% | 3.32% | 3.89% | 4.35% | Beats 54% | 107 / 235 | |
| Efficiency Ratio | 74.66% | 70.60% | 82.00% | 91.57% | Beats 66% | 80 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.20% | 0.59% | 1.14% | Beats 71% | 69 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.13% | 11.30% | 14.41% | 19.49% | Beats 33% | 158 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.13% | 11.30% | 14.41% | 19.49% | Beats 33% | 158 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 72.98% | 54.18% | 67.38% | 81.66% | 60th pctl | 93 / 235 | |
| Loans / Assets | 63.90% | 43.80% | 56.63% | 68.64% | 67th pctl | 77 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |