Fannin County Teachers
Bonham, TX · Charter 19741 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$10.0MAssets
$7.8MLoans
$7.0MShares
$2.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of credit unions under $1B in assets in TX (rank 18 of 235).
- Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets in TX (rank 217 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.28%
Rank 159 of 235
Net Interest Margin
3.95%
Rank 109 of 235
Efficiency Ratio
80.20%
Rank 110 of 235
Equity / Assets
28.33%
Rank 18 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.17% | 0.57% | 1.10% | Beats 32% | 159 / 235 | | |
| Return on Equity | 0.99% | 1.03% | 4.30% | 7.58% | Beats 23% | 180 / 235 | | |
| Net Interest Margin | 3.95% | 3.32% | 3.89% | 4.35% | Beats 54% | 109 / 235 | | |
| Efficiency Ratio | 80.20% | 70.60% | 82.00% | 91.57% | Beats 54% | 110 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.66% | 0.20% | 0.59% | 1.14% | Beats 8% | 217 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 28.33% | 11.30% | 14.41% | 19.49% | Beats 92% | 18 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 28.33% | 11.30% | 14.41% | 19.49% | Beats 92% | 18 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 110.71% | 54.18% | 67.38% | 81.66% | 98th pctl | 4 / 235 | | |
| Loans / Assets | 78.20% | 43.80% | 56.63% | 68.64% | 92nd pctl | 18 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |