Texar
Texarkana, TX · Charter 24567 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 4 branches
Q2 2026
$440.5MAssets
$256.4MLoans
$335.3MShares
$72.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 67% of credit unions under $1B in assets in TX (rank 78 of 235).
- Widest gap: net interest margin trails 88% of credit unions under $1B in assets in TX (rank 207 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.79%
Rank 94 of 235
Net Interest Margin
3.05%
Rank 207 of 235
Efficiency Ratio
74.38%
Rank 78 of 235
Equity / Assets
16.42%
Rank 85 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.17% | 0.57% | 1.10% | Beats 60% | 94 / 235 | |
| Return on Equity | 4.84% | 1.03% | 4.30% | 7.58% | Beats 55% | 106 / 235 | |
| Net Interest Margin | 3.05% | 3.32% | 3.89% | 4.35% | Beats 12% | 207 / 235 | |
| Efficiency Ratio | 74.38% | 70.60% | 82.00% | 91.57% | Beats 67% | 78 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.20% | 0.59% | 1.14% | Beats 40% | 143 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.42% | 11.30% | 14.41% | 19.49% | Beats 64% | 85 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.42% | 11.30% | 14.41% | 19.49% | Beats 64% | 85 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 76.45% | 54.18% | 67.38% | 81.66% | 68th pctl | 76 / 235 | |
| Loans / Assets | 58.20% | 43.80% | 56.63% | 68.64% | 53rd pctl | 111 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |