Highway District 19 Employees
Atlanta, TX · Charter 60491 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$7.1MAssets
$5.1MLoans
$5.6MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 83% of credit unions under $1B in assets in TX (rank 40 of 235).
- Widest gap: efficiency ratio trails 87% of credit unions under $1B in assets in TX (rank 205 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.03%
Rank 196 of 235
Net Interest Margin
4.59%
Rank 40 of 235
Efficiency Ratio
97.16%
Rank 205 of 235
Equity / Assets
20.69%
Rank 50 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.03% | 0.17% | 0.57% | 1.10% | Beats 17% | 196 / 235 | |
| Return on Equity | 0.14% | 1.03% | 4.30% | 7.58% | Beats 17% | 196 / 235 | |
| Net Interest Margin | 4.59% | 3.32% | 3.89% | 4.35% | Beats 83% | 40 / 235 | |
| Efficiency Ratio | 97.16% | 70.60% | 82.00% | 91.57% | Beats 13% | 205 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.20% | 0.59% | 1.14% | Beats 40% | 141 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.69% | 11.30% | 14.41% | 19.49% | Beats 79% | 50 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.69% | 11.30% | 14.41% | 19.49% | Beats 79% | 50 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 90.13% | 54.18% | 67.38% | 81.66% | 88th pctl | 29 / 235 | |
| Loans / Assets | 70.99% | 43.80% | 56.63% | 68.64% | 78th pctl | 51 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |