One Source
El Paso, TX · Charter 2115 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$124.0MAssets
$72.2MLoans
$110.4MShares
$12.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets in TX (rank 65 of 235).
- Widest gap: return on equity trails 93% of credit unions under $1B in assets in TX (rank 219 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.44%
Rank 214 of 235
Net Interest Margin
3.86%
Rank 121 of 235
Efficiency Ratio
104.19%
Rank 218 of 235
Equity / Assets
10.29%
Rank 193 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.44% | 0.17% | 0.57% | 1.10% | Beats 9% | 214 / 235 | |
| Return on Equity | -4.29% | 1.03% | 4.30% | 7.58% | Beats 7% | 219 / 235 | |
| Net Interest Margin | 3.86% | 3.32% | 3.89% | 4.35% | Beats 49% | 121 / 235 | |
| Efficiency Ratio | 104.19% | 70.60% | 82.00% | 91.57% | Beats 8% | 218 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.20% | 0.59% | 1.14% | Beats 73% | 65 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.29% | 11.30% | 14.41% | 19.49% | Beats 18% | 193 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.29% | 11.30% | 14.41% | 19.49% | Beats 18% | 193 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 65.39% | 54.18% | 67.38% | 81.66% | 46th pctl | 126 / 235 | |
| Loans / Assets | 58.22% | 43.80% | 56.63% | 68.64% | 53rd pctl | 110 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |