Texas Community
Kingsville, TX · Charter 1879 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$30.1MAssets
$22.3MLoans
$25.4MShares
$4.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets in TX (rank 6 of 235).
- Widest gap: nonperforming loans / loans trails 79% of credit unions under $1B in assets in TX (rank 186 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.55%
Rank 32 of 235
Net Interest Margin
5.69%
Rank 6 of 235
Efficiency Ratio
70.29%
Rank 56 of 235
Equity / Assets
14.64%
Rank 114 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.17% | 0.57% | 1.10% | Beats 86% | 32 / 235 | | |
| Return on Equity | 10.58% | 1.03% | 4.30% | 7.58% | Beats 88% | 28 / 235 | | |
| Net Interest Margin | 5.69% | 3.32% | 3.89% | 4.35% | Beats 97% | 6 / 235 | | |
| Efficiency Ratio | 70.29% | 70.60% | 82.00% | 91.57% | Beats 77% | 56 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.29% | 0.20% | 0.59% | 1.14% | Beats 21% | 186 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.64% | 11.30% | 14.41% | 19.49% | Beats 51% | 114 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.64% | 11.30% | 14.41% | 19.49% | Beats 51% | 114 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.85% | 54.18% | 67.38% | 81.66% | 83rd pctl | 39 / 235 | | |
| Loans / Assets | 74.13% | 43.80% | 56.63% | 68.64% | 84th pctl | 37 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |