Texoma
Fritch, TX · Charter 4292 · Peer group: credit unions under $1B in assets in TX (n=227)
NCUA · 1 branch
Q2 2025
$7.8MAssets
$4.8MLoans
$5.6MShares
$2.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of credit unions under $1B in assets in TX (rank 16 of 227).
- Widest gap: efficiency ratio trails 100% of credit unions under $1B in assets in TX (rank 227 of 227).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-4.18%
Rank 223 of 227
Net Interest Margin
5.20%
Rank 18 of 227
Efficiency Ratio
160.98%
Rank 227 of 227
Equity / Assets
28.12%
Rank 16 of 227
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.18% | 0.18% | 0.67% | 1.22% | Beats 2% | 223 / 227 | |
| Return on Equity | -14.87% | 0.99% | 5.16% | 8.76% | Beats 3% | 221 / 227 | |
| Net Interest Margin | 5.20% | 3.30% | 3.81% | 4.38% | Beats 92% | 18 / 227 | |
| Efficiency Ratio | 160.98% | 69.23% | 80.40% | 90.12% | Beats 0% | 227 / 227 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.18% | 0.55% | 1.24% | Beats 38% | 141 / 227 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 28.12% | 10.92% | 14.11% | 18.86% | Beats 93% | 16 / 227 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 28.12% | 10.92% | 14.11% | 18.86% | Beats 93% | 16 / 227 | |
| Liquidity & Funding |
| Loans / Deposits | 86.89% | 56.17% | 70.69% | 83.69% | 81st pctl | 42 / 227 | |
| Loans / Assets | 61.52% | 46.26% | 59.50% | 71.03% | 56th pctl | 100 / 227 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |