Skel-Tex
Skellytown, TX · Charter 60396 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$6.2MAssets
$2.7MLoans
$4.8MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of credit unions under $1B in assets in TX (rank 44 of 235).
- Widest gap: net interest margin trails 81% of credit unions under $1B in assets in TX (rank 190 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.55%
Rank 122 of 235
Net Interest Margin
3.24%
Rank 190 of 235
Efficiency Ratio
83.50%
Rank 131 of 235
Equity / Assets
21.47%
Rank 44 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.17% | 0.57% | 1.10% | Beats 48% | 122 / 235 | | |
| Return on Equity | 2.56% | 1.03% | 4.30% | 7.58% | Beats 36% | 151 / 235 | | |
| Net Interest Margin | 3.24% | 3.32% | 3.89% | 4.35% | Beats 19% | 190 / 235 | | |
| Efficiency Ratio | 83.50% | 70.60% | 82.00% | 91.57% | Beats 45% | 131 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.20% | 0.59% | 1.14% | Beats 45% | 130 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.47% | 11.30% | 14.41% | 19.49% | Beats 81% | 44 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.47% | 11.30% | 14.41% | 19.49% | Beats 81% | 44 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.68% | 54.18% | 67.38% | 81.66% | 25th pctl | 176 / 235 | | |
| Loans / Assets | 42.92% | 43.80% | 56.63% | 68.64% | 23rd pctl | 180 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |