Shell
Deer Park, TX · Charter 1941 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
$2.1BAssets
$1.6BLoans
$1.7BShares
$274.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions $1B-$10B in assets (rank 14 of 435).
- Widest gap: nonperforming loans / loans trails 53% of credit unions $1B-$10B in assets (rank 231 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.40%
Rank 56 of 435
Net Interest Margin
4.51%
Rank 14 of 435
Efficiency Ratio
68.61%
Rank 172 of 435
Equity / Assets
13.39%
Rank 73 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.55% | 0.81% | 1.14% | Beats 87% | 56 / 435 | |
| Return on Equity | 10.44% | 5.12% | 7.41% | 9.70% | Beats 81% | 84 / 435 | |
| Net Interest Margin | 4.51% | 3.01% | 3.39% | 3.75% | Beats 97% | 14 / 435 | |
| Efficiency Ratio | 68.61% | 65.25% | 71.39% | 77.86% | Beats 61% | 172 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.45% | 0.69% | 1.05% | Beats 47% | 231 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.39% | 9.81% | 10.84% | 12.63% | Beats 83% | 73 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.39% | 9.81% | 10.84% | 12.63% | Beats 83% | 73 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 89.42% | 78.33% | 88.38% | 95.61% | 54th pctl | 199 / 435 | |
| Loans / Assets | 76.25% | 67.69% | 74.58% | 80.80% | 56th pctl | 191 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |