Texas Dow Employees
Houston, TX · Charter 60705 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 32 branches
Q2 2026
$5.0BAssets
$4.4BLoans
$4.0BShares
$510.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions $1B-$10B in assets (rank 22 of 435).
- Widest gap: nonperforming loans / loans trails 94% of credit unions $1B-$10B in assets (rank 411 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.52%
Rank 338 of 435
Net Interest Margin
4.32%
Rank 22 of 435
Efficiency Ratio
75.80%
Rank 295 of 435
Equity / Assets
10.17%
Rank 285 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.55% | 0.81% | 1.14% | Beats 22% | 338 / 435 | | |
| Return on Equity | 5.12% | 5.12% | 7.41% | 9.70% | Beats 25% | 326 / 435 | | |
| Net Interest Margin | 4.32% | 3.01% | 3.39% | 3.75% | Beats 95% | 22 / 435 | | |
| Efficiency Ratio | 75.80% | 65.25% | 71.39% | 77.86% | Beats 32% | 295 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.77% | 0.45% | 0.69% | 1.05% | Beats 6% | 411 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.17% | 9.81% | 10.84% | 12.63% | Beats 34% | 285 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.17% | 9.81% | 10.84% | 12.63% | Beats 34% | 285 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 108.32% | 78.33% | 88.38% | 95.61% | 97th pctl | 13 / 435 | | |
| Loans / Assets | 87.25% | 67.69% | 74.58% | 80.80% | 95th pctl | 22 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |