S.T.E.C.
Nursery, TX · Charter 18816 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$5.5MAssets
$3.6MLoans
$3.8MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets in TX (rank 15 of 235).
- Widest gap: return on equity trails 70% of credit unions under $1B in assets in TX (rank 165 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.47%
Rank 130 of 235
Net Interest Margin
3.99%
Rank 100 of 235
Efficiency Ratio
68.47%
Rank 47 of 235
Equity / Assets
30.92%
Rank 15 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.17% | 0.57% | 1.10% | Beats 45% | 130 / 235 | |
| Return on Equity | 1.52% | 1.03% | 4.30% | 7.58% | Beats 30% | 165 / 235 | |
| Net Interest Margin | 3.99% | 3.32% | 3.89% | 4.35% | Beats 57% | 100 / 235 | |
| Efficiency Ratio | 68.47% | 70.60% | 82.00% | 91.57% | Beats 80% | 47 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.20% | 0.59% | 1.14% | Beats 58% | 99 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 30.92% | 11.30% | 14.41% | 19.49% | Beats 94% | 15 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 30.92% | 11.30% | 14.41% | 19.49% | Beats 94% | 15 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 93.61% | 54.18% | 67.38% | 81.66% | 92nd pctl | 18 / 235 | |
| Loans / Assets | 64.53% | 43.80% | 56.63% | 68.64% | 69th pctl | 74 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |