Fannin
Bonham, TX · Charter 17254 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$80.9MAssets
$40.4MLoans
$64.3MShares
$16.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of credit unions under $1B in assets in TX (rank 6 of 235).
- Widest gap: nonperforming loans / loans trails 52% of credit unions under $1B in assets in TX (rank 123 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.39%
Rank 8 of 235
Net Interest Margin
4.11%
Rank 79 of 235
Efficiency Ratio
48.45%
Rank 6 of 235
Equity / Assets
20.21%
Rank 55 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.39% | 0.17% | 0.57% | 1.10% | Beats 97% | 8 / 235 | |
| Return on Equity | 11.81% | 1.03% | 4.30% | 7.58% | Beats 92% | 18 / 235 | |
| Net Interest Margin | 4.11% | 3.32% | 3.89% | 4.35% | Beats 66% | 79 / 235 | |
| Efficiency Ratio | 48.45% | 70.60% | 82.00% | 91.57% | Beats 98% | 6 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.20% | 0.59% | 1.14% | Beats 48% | 123 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.21% | 11.30% | 14.41% | 19.49% | Beats 77% | 55 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.21% | 11.30% | 14.41% | 19.49% | Beats 77% | 55 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 62.84% | 54.18% | 67.38% | 81.66% | 40th pctl | 140 / 235 | |
| Loans / Assets | 49.96% | 43.80% | 56.63% | 68.64% | 36th pctl | 151 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |