Frio County
Pearsall, TX · Charter 20267 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$5.3MAssets
$4.2MLoans
$3.3MShares
$2.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 100% of credit unions under $1B in assets in TX (rank 1 of 235).
- Widest gap: return on assets trails 96% of credit unions under $1B in assets in TX (rank 226 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-1.42%
Rank 226 of 235
Net Interest Margin
7.08%
Rank 1 of 235
Efficiency Ratio
97.04%
Rank 204 of 235
Equity / Assets
37.37%
Rank 7 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.42% | 0.17% | 0.57% | 1.10% | Beats 4% | 226 / 235 | |
| Return on Equity | -3.81% | 1.03% | 4.30% | 7.58% | Beats 7% | 218 / 235 | |
| Net Interest Margin | 7.08% | 3.32% | 3.89% | 4.35% | Beats 100% | 1 / 235 | |
| Efficiency Ratio | 97.04% | 70.60% | 82.00% | 91.57% | Beats 14% | 204 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.20% | 0.59% | 1.14% | Beats 47% | 126 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 37.37% | 11.30% | 14.41% | 19.49% | Beats 97% | 7 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 37.37% | 11.30% | 14.41% | 19.49% | Beats 97% | 7 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 126.04% | 54.18% | 67.38% | 81.66% | 100th pctl | 1 / 235 | |
| Loans / Assets | 78.78% | 43.80% | 56.63% | 68.64% | 94th pctl | 15 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |