Coburn
Beaumont, TX · Charter 60409 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$6.5MAssets
$2.4MLoans
$5.0MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets in TX (rank 40 of 235).
- Widest gap: net interest margin trails 99% of credit unions under $1B in assets in TX (rank 233 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.74%
Rank 220 of 235
Net Interest Margin
2.27%
Rank 233 of 235
Efficiency Ratio
115.58%
Rank 226 of 235
Equity / Assets
22.28%
Rank 40 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.74% | 0.17% | 0.57% | 1.10% | Beats 6% | 220 / 235 | |
| Return on Equity | -3.30% | 1.03% | 4.30% | 7.58% | Beats 8% | 217 / 235 | |
| Net Interest Margin | 2.27% | 3.32% | 3.89% | 4.35% | Beats 1% | 233 / 235 | |
| Efficiency Ratio | 115.58% | 70.60% | 82.00% | 91.57% | Beats 4% | 226 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.96% | 0.20% | 0.59% | 1.14% | Beats 3% | 230 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.28% | 11.30% | 14.41% | 19.49% | Beats 83% | 40 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.28% | 11.30% | 14.41% | 19.49% | Beats 83% | 40 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 47.71% | 54.18% | 67.38% | 81.66% | 17th pctl | 196 / 235 | |
| Loans / Assets | 36.82% | 43.80% | 56.63% | 68.64% | 14th pctl | 201 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |