City Public Service/IBEW
San Antonio, TX · Charter 3710 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$56.4MAssets
$20.6MLoans
$48.7MShares
$8.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 69% of credit unions under $1B in assets in TX (rank 72 of 235).
- Widest gap: nonperforming loans / loans trails 77% of credit unions under $1B in assets in TX (rank 182 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.96%
Rank 72 of 235
Net Interest Margin
3.90%
Rank 116 of 235
Efficiency Ratio
76.88%
Rank 92 of 235
Equity / Assets
14.86%
Rank 107 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.17% | 0.57% | 1.10% | Beats 69% | 72 / 235 | |
| Return on Equity | 6.47% | 1.03% | 4.30% | 7.58% | Beats 67% | 78 / 235 | |
| Net Interest Margin | 3.90% | 3.32% | 3.89% | 4.35% | Beats 51% | 116 / 235 | |
| Efficiency Ratio | 76.88% | 70.60% | 82.00% | 91.57% | Beats 61% | 92 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.20% | 0.59% | 1.14% | Beats 23% | 182 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.86% | 11.30% | 14.41% | 19.49% | Beats 54% | 107 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.86% | 11.30% | 14.41% | 19.49% | Beats 54% | 107 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 42.28% | 54.18% | 67.38% | 81.66% | 11th pctl | 210 / 235 | |
| Loans / Assets | 36.57% | 43.80% | 56.63% | 68.64% | 14th pctl | 203 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |