Starr County Teachers
Rio Grande City, TX · Charter 18559 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$47.4MAssets
$8.9MLoans
$39.1MShares
$8.0MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 89% of credit unions under $1B in assets in TX (rank 25 of 235).
- Widest gap: net interest margin trails 48% of credit unions under $1B in assets in TX (rank 113 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.64%
Rank 25 of 235
Net Interest Margin
3.92%
Rank 113 of 235
Efficiency Ratio
65.40%
Rank 37 of 235
Equity / Assets
16.86%
Rank 80 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.17% | 0.57% | 1.10% | Beats 89% | 25 / 235 | |
| Return on Equity | 9.76% | 1.03% | 4.30% | 7.58% | Beats 85% | 36 / 235 | |
| Net Interest Margin | 3.92% | 3.32% | 3.89% | 4.35% | Beats 52% | 113 / 235 | |
| Efficiency Ratio | 65.40% | 70.60% | 82.00% | 91.57% | Beats 85% | 37 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.20% | 0.59% | 1.14% | Beats 54% | 109 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.86% | 11.30% | 14.41% | 19.49% | Beats 66% | 80 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.86% | 11.30% | 14.41% | 19.49% | Beats 66% | 80 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 22.66% | 54.18% | 67.38% | 81.66% | 1st pctl | 233 / 235 | |
| Loans / Assets | 18.70% | 43.80% | 56.63% | 68.64% | 1st pctl | 232 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |