City
Amarillo, TX · Charter 5665 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$84.3MAssets
$63.3MLoans
$70.2MShares
$13.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 62% of credit unions under $1B in assets in TX (rank 89 of 235).
- Widest gap: return on equity trails 91% of credit unions under $1B in assets in TX (rank 213 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.45%
Rank 215 of 235
Net Interest Margin
3.08%
Rank 204 of 235
Efficiency Ratio
82.26%
Rank 120 of 235
Equity / Assets
16.25%
Rank 89 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.45% | 0.17% | 0.57% | 1.10% | Beats 9% | 215 / 235 | |
| Return on Equity | -2.79% | 1.03% | 4.30% | 7.58% | Beats 9% | 213 / 235 | |
| Net Interest Margin | 3.08% | 3.32% | 3.89% | 4.35% | Beats 13% | 204 / 235 | |
| Efficiency Ratio | 82.26% | 70.60% | 82.00% | 91.57% | Beats 49% | 120 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.59% | 0.20% | 0.59% | 1.14% | Beats 18% | 194 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.25% | 11.30% | 14.41% | 19.49% | Beats 62% | 89 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.25% | 11.30% | 14.41% | 19.49% | Beats 62% | 89 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 90.15% | 54.18% | 67.38% | 81.66% | 88th pctl | 28 / 235 | |
| Loans / Assets | 75.10% | 43.80% | 56.63% | 68.64% | 87th pctl | 30 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |