Mid-Tex
Brownwood, TX · Charter 24454 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$36.4MAssets
$21.1MLoans
$33.7MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 84% of credit unions under $1B in assets in TX (rank 37 of 235).
- Widest gap: equity / assets trails 91% of credit unions under $1B in assets in TX (rank 214 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.89%
Rank 82 of 235
Net Interest Margin
4.56%
Rank 43 of 235
Efficiency Ratio
85.91%
Rank 145 of 235
Equity / Assets
9.20%
Rank 214 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.17% | 0.57% | 1.10% | Beats 65% | 82 / 235 | | |
| Return on Equity | 9.68% | 1.03% | 4.30% | 7.58% | Beats 84% | 37 / 235 | | |
| Net Interest Margin | 4.56% | 3.32% | 3.89% | 4.35% | Beats 82% | 43 / 235 | | |
| Efficiency Ratio | 85.91% | 70.60% | 82.00% | 91.57% | Beats 39% | 145 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.20% | 0.59% | 1.14% | Beats 31% | 162 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.20% | 11.30% | 14.41% | 19.49% | Beats 9% | 214 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.20% | 11.30% | 14.41% | 19.49% | Beats 9% | 214 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.59% | 54.18% | 67.38% | 81.66% | 40th pctl | 142 / 235 | | |
| Loans / Assets | 58.04% | 43.80% | 56.63% | 68.64% | 52nd pctl | 112 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |