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Del Rio, TX · Charter 24304 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
$269.8MAssets
$164.6MLoans
$206.4MShares
$48.1MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 88% of credit unions under $1B in assets in TX (rank 28 of 235).
- Widest gap: nonperforming loans / loans 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
1.58%
Rank 28 of 235
Net Interest Margin
4.46%
Rank 51 of 235
Efficiency Ratio
73.58%
Rank 71 of 235
Equity / Assets
17.83%
Rank 73 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.17% | 0.57% | 1.10% | Beats 88% | 28 / 235 | | |
| Return on Equity | 8.84% | 1.03% | 4.30% | 7.58% | Beats 80% | 48 / 235 | | |
| Net Interest Margin | 4.46% | 3.32% | 3.89% | 4.35% | Beats 78% | 51 / 235 | | |
| Efficiency Ratio | 73.58% | 70.60% | 82.00% | 91.57% | Beats 70% | 71 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.20% | 0.59% | 1.14% | Beats 43% | 135 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.83% | 11.30% | 14.41% | 19.49% | Beats 69% | 73 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.83% | 11.30% | 14.41% | 19.49% | Beats 69% | 73 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.73% | 54.18% | 67.38% | 81.66% | 72nd pctl | 65 / 235 | | |
| Loans / Assets | 60.98% | 43.80% | 56.63% | 68.64% | 60th pctl | 95 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |