Vidor Teachers
Vidor, TX · Charter 21368 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$3.3MAssets
$2.5MLoans
$2.8MShares
$525KNet 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 95% of credit unions under $1B in assets in TX (rank 224 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.42%
Rank 143 of 235
Net Interest Margin
2.65%
Rank 224 of 235
Efficiency Ratio
84.09%
Rank 136 of 235
Equity / Assets
15.81%
Rank 95 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.17% | 0.57% | 1.10% | Beats 39% | 143 / 235 | |
| Return on Equity | 2.67% | 1.03% | 4.30% | 7.58% | Beats 38% | 146 / 235 | |
| Net Interest Margin | 2.65% | 3.32% | 3.89% | 4.35% | Beats 5% | 224 / 235 | |
| Efficiency Ratio | 84.09% | 70.60% | 82.00% | 91.57% | Beats 43% | 136 / 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 | 15.81% | 11.30% | 14.41% | 19.49% | Beats 60% | 95 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.81% | 11.30% | 14.41% | 19.49% | Beats 60% | 95 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 88.34% | 54.18% | 67.38% | 81.66% | 85th pctl | 35 / 235 | |
| Loans / Assets | 74.38% | 43.80% | 56.63% | 68.64% | 86th pctl | 33 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |