Evolve
El Paso, TX · Charter 1792 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 10 branches
Q2 2026
$323.2MAssets
$207.5MLoans
$283.5MShares
$34.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of credit unions under $1B in assets in TX (rank 27 of 235).
- Widest gap: net interest margin trails 97% of credit unions under $1B in assets in TX (rank 227 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.05%
Rank 192 of 235
Net Interest Margin
2.57%
Rank 227 of 235
Efficiency Ratio
94.80%
Rank 194 of 235
Equity / Assets
10.80%
Rank 185 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 0.17% | 0.57% | 1.10% | Beats 18% | 192 / 235 | |
| Return on Equity | 0.49% | 1.03% | 4.30% | 7.58% | Beats 20% | 188 / 235 | |
| Net Interest Margin | 2.57% | 3.32% | 3.89% | 4.35% | Beats 3% | 227 / 235 | |
| Efficiency Ratio | 94.80% | 70.60% | 82.00% | 91.57% | Beats 18% | 194 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.20% | 0.59% | 1.14% | Beats 89% | 27 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.80% | 11.30% | 14.41% | 19.49% | Beats 21% | 185 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.80% | 11.30% | 14.41% | 19.49% | Beats 21% | 185 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 73.21% | 54.18% | 67.38% | 81.66% | 62nd pctl | 89 / 235 | |
| Loans / Assets | 64.21% | 43.80% | 56.63% | 68.64% | 68th pctl | 75 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |