Texans
Richardson, TX · Charter 60806 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
$2.6BAssets
$1.8BLoans
$2.3BShares
$285.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 57% of credit unions $1B-$10B in assets (rank 189 of 435).
- Widest gap: net interest margin trails 66% of credit unions $1B-$10B in assets (rank 285 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.84%
Rank 205 of 435
Net Interest Margin
3.16%
Rank 285 of 435
Efficiency Ratio
69.85%
Rank 189 of 435
Equity / Assets
11.07%
Rank 194 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.55% | 0.81% | 1.14% | Beats 53% | 205 / 435 | |
| Return on Equity | 7.59% | 5.12% | 7.41% | 9.70% | Beats 52% | 210 / 435 | |
| Net Interest Margin | 3.16% | 3.01% | 3.39% | 3.75% | Beats 34% | 285 / 435 | |
| Efficiency Ratio | 69.85% | 65.25% | 71.39% | 77.86% | Beats 57% | 189 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.45% | 0.69% | 1.05% | Beats 50% | 218 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.07% | 9.81% | 10.84% | 12.63% | Beats 55% | 194 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.07% | 9.81% | 10.84% | 12.63% | Beats 55% | 194 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 79.58% | 78.33% | 88.38% | 95.61% | 28th pctl | 314 / 435 | |
| Loans / Assets | 70.64% | 67.69% | 74.58% | 80.80% | 35th pctl | 282 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |