Seminole Public Schools
Seminole, TX · Charter 17154 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$7.4MAssets
$2.5MLoans
$5.7MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets in TX (rank 41 of 235).
- Widest gap: nonperforming loans / loans trails 97% of credit unions under $1B in assets in TX (rank 228 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.03%
Rank 197 of 235
Net Interest Margin
3.29%
Rank 182 of 235
Efficiency Ratio
99.17%
Rank 207 of 235
Equity / Assets
22.26%
Rank 41 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.03% | 0.17% | 0.57% | 1.10% | Beats 16% | 197 / 235 | |
| Return on Equity | 0.12% | 1.03% | 4.30% | 7.58% | Beats 16% | 197 / 235 | |
| Net Interest Margin | 3.29% | 3.32% | 3.89% | 4.35% | Beats 23% | 182 / 235 | |
| Efficiency Ratio | 99.17% | 70.60% | 82.00% | 91.57% | Beats 12% | 207 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.37% | 0.20% | 0.59% | 1.14% | Beats 3% | 228 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.26% | 11.30% | 14.41% | 19.49% | Beats 83% | 41 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.26% | 11.30% | 14.41% | 19.49% | Beats 83% | 41 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 44.12% | 54.18% | 67.38% | 81.66% | 12th pctl | 206 / 235 | |
| Loans / Assets | 34.21% | 43.80% | 56.63% | 68.64% | 12th pctl | 207 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |