Employees United
Paris, TX · Charter 21904 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$12.4MAssets
$2.6MLoans
$8.3MShares
$4.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of credit unions under $1B in assets in TX (rank 12 of 235).
- Widest gap: return on equity trails 57% of credit unions under $1B in assets in TX (rank 135 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.07%
Rank 61 of 235
Net Interest Margin
4.06%
Rank 88 of 235
Efficiency Ratio
76.01%
Rank 87 of 235
Equity / Assets
32.74%
Rank 12 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.17% | 0.57% | 1.10% | Beats 74% | 61 / 235 | | |
| Return on Equity | 3.26% | 1.03% | 4.30% | 7.58% | Beats 43% | 135 / 235 | | |
| Net Interest Margin | 4.06% | 3.32% | 3.89% | 4.35% | Beats 63% | 88 / 235 | | |
| Efficiency Ratio | 76.01% | 70.60% | 82.00% | 91.57% | Beats 63% | 87 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.20% | 0.59% | 1.14% | Beats 86% | 33 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 32.74% | 11.30% | 14.41% | 19.49% | Beats 95% | 12 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 32.74% | 11.30% | 14.41% | 19.49% | Beats 95% | 12 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 31.70% | 54.18% | 67.38% | 81.66% | 6th pctl | 221 / 235 | | |
| Loans / Assets | 21.26% | 43.80% | 56.63% | 68.64% | 3rd pctl | 229 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |