Bivins
Masterson, TX · Charter 4078 · Peer group: credit unions under $1B in assets in TX (n=233)
NCUA · 1 branch
Q4 2024
$3.3MAssets
$1.8MLoans
$2.4MShares
$933KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in TX (rank 18 of 233).
- Widest gap: efficiency ratio trails 95% of credit unions under $1B in assets in TX (rank 223 of 233).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-0.15%
Rank 199 of 233
Net Interest Margin
4.62%
Rank 41 of 233
Efficiency Ratio
106.83%
Rank 223 of 233
Equity / Assets
28.19%
Rank 16 of 233
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.15% | 0.12% | 0.54% | 1.08% | Beats 15% | 199 / 233 | |
| Return on Equity | -0.54% | 0.84% | 3.92% | 7.05% | Beats 16% | 195 / 233 | |
| Net Interest Margin | 4.62% | 3.14% | 3.75% | 4.40% | Beats 82% | 41 / 233 | |
| Efficiency Ratio | 106.83% | 70.42% | 80.73% | 90.63% | Beats 5% | 223 / 233 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.30% | 0.63% | 1.22% | Beats 100% | 18 / 233 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 28.20% | 11.13% | 13.76% | 18.98% | Beats 93% | 16 / 233 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 28.19% | 11.13% | 13.76% | 18.98% | Beats 93% | 16 / 233 | |
| Liquidity & Funding |
| Loans / Deposits | 78.14% | 57.18% | 72.80% | 85.52% | 58th pctl | 98 / 233 | |
| Loans / Assets | 55.86% | 48.04% | 61.08% | 71.76% | 39th pctl | 143 / 233 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |