Pantex
Borger, TX · Charter 3571 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 4 branches
Q2 2026
$233.4MAssets
$63.8MLoans
$183.3MShares
$51.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of credit unions under $1B in assets in TX (rank 30 of 235).
- Widest gap: net interest margin trails 63% of credit unions under $1B in assets in TX (rank 148 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.53%
Rank 34 of 235
Net Interest Margin
3.60%
Rank 148 of 235
Efficiency Ratio
63.39%
Rank 30 of 235
Equity / Assets
22.25%
Rank 42 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.17% | 0.57% | 1.10% | Beats 86% | 34 / 235 | | |
| Return on Equity | 6.88% | 1.03% | 4.30% | 7.58% | Beats 70% | 70 / 235 | | |
| Net Interest Margin | 3.60% | 3.32% | 3.89% | 4.35% | Beats 37% | 148 / 235 | | |
| Efficiency Ratio | 63.39% | 70.60% | 82.00% | 91.57% | Beats 88% | 30 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.20% | 0.59% | 1.14% | Beats 42% | 138 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.25% | 11.30% | 14.41% | 19.49% | Beats 82% | 42 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.25% | 11.30% | 14.41% | 19.49% | Beats 82% | 42 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 34.82% | 54.18% | 67.38% | 81.66% | 7th pctl | 219 / 235 | | |
| Loans / Assets | 27.36% | 43.80% | 56.63% | 68.64% | 6th pctl | 220 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |