J.C.T.
Edna, TX · Charter 20581 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$10.0MAssets
$4.4MLoans
$8.7MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in TX (rank 19 of 235).
- Widest gap: net interest margin trails 73% of credit unions under $1B in assets in TX (rank 172 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.40%
Rank 145 of 235
Net Interest Margin
3.38%
Rank 172 of 235
Efficiency Ratio
87.50%
Rank 157 of 235
Equity / Assets
12.67%
Rank 143 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.17% | 0.57% | 1.10% | Beats 38% | 145 / 235 | |
| Return on Equity | 3.15% | 1.03% | 4.30% | 7.58% | Beats 40% | 140 / 235 | |
| Net Interest Margin | 3.38% | 3.32% | 3.89% | 4.35% | Beats 27% | 172 / 235 | |
| Efficiency Ratio | 87.50% | 70.60% | 82.00% | 91.57% | Beats 34% | 157 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.67% | 11.30% | 14.41% | 19.49% | Beats 39% | 143 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.67% | 11.30% | 14.41% | 19.49% | Beats 39% | 143 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 50.11% | 54.18% | 67.38% | 81.66% | 19th pctl | 190 / 235 | |
| Loans / Assets | 43.66% | 43.80% | 56.63% | 68.64% | 24th pctl | 178 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |