Texasgulf
Wharton, TX · Charter 2322 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$220.5MAssets
$136.2MLoans
$189.3MShares
$31.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 75% of credit unions under $1B in assets in TX (rank 60 of 235).
- Widest gap: net interest margin trails 84% of credit unions under $1B in assets in TX (rank 198 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.85%
Rank 86 of 235
Net Interest Margin
3.18%
Rank 198 of 235
Efficiency Ratio
71.24%
Rank 60 of 235
Equity / Assets
14.27%
Rank 120 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.17% | 0.57% | 1.10% | Beats 63% | 86 / 235 | |
| Return on Equity | 5.99% | 1.03% | 4.30% | 7.58% | Beats 63% | 87 / 235 | |
| Net Interest Margin | 3.18% | 3.32% | 3.89% | 4.35% | Beats 16% | 198 / 235 | |
| Efficiency Ratio | 71.24% | 70.60% | 82.00% | 91.57% | Beats 75% | 60 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.20% | 0.59% | 1.14% | Beats 49% | 121 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.27% | 11.30% | 14.41% | 19.49% | Beats 49% | 120 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.27% | 11.30% | 14.41% | 19.49% | Beats 49% | 120 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 71.91% | 54.18% | 67.38% | 81.66% | 59th pctl | 97 / 235 | |
| Loans / Assets | 61.75% | 43.80% | 56.63% | 68.64% | 62nd pctl | 90 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |