Caprock
Lamesa, TX · Charter 16813 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$40.4MAssets
$29.7MLoans
$35.5MShares
$4.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 76% of credit unions under $1B in assets in TX (rank 56 of 235).
- Widest gap: efficiency ratio trails 83% of credit unions under $1B in assets in TX (rank 197 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.04%
Rank 194 of 235
Net Interest Margin
4.39%
Rank 56 of 235
Efficiency Ratio
95.27%
Rank 197 of 235
Equity / Assets
11.54%
Rank 172 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.04% | 0.17% | 0.57% | 1.10% | Beats 17% | 194 / 235 | | |
| Return on Equity | 0.39% | 1.03% | 4.30% | 7.58% | Beats 18% | 192 / 235 | | |
| Net Interest Margin | 4.39% | 3.32% | 3.89% | 4.35% | Beats 76% | 56 / 235 | | |
| Efficiency Ratio | 95.27% | 70.60% | 82.00% | 91.57% | Beats 17% | 197 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.43% | 0.20% | 0.59% | 1.14% | Beats 19% | 191 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.54% | 11.30% | 14.41% | 19.49% | Beats 27% | 172 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.54% | 11.30% | 14.41% | 19.49% | Beats 27% | 172 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.58% | 54.18% | 67.38% | 81.66% | 77th pctl | 54 / 235 | | |
| Loans / Assets | 73.36% | 43.80% | 56.63% | 68.64% | 83rd pctl | 40 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |