Graphic Arts
Houston, TX · Charter 61438 · Peer group: credit unions under $1B in assets in TX (n=236)
NCUA · 2 branches
Q2 2024
$37.2MAssets
$30.9MLoans
$33.1MShares
$3.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 51% of credit unions under $1B in assets in TX (rank 115 of 236).
- Widest gap: return on equity trails 94% of credit unions under $1B in assets in TX (rank 221 of 236).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.58%
Rank 218 of 236
Net Interest Margin
3.69%
Rank 115 of 236
Efficiency Ratio
102.58%
Rank 215 of 236
Equity / Assets
9.69%
Rank 205 of 236
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.58% | 0.22% | 0.63% | 1.16% | Beats 8% | 218 / 236 | n/a | |
| Return on Equity | -5.94% | 1.20% | 4.56% | 7.60% | Beats 6% | 221 / 236 | n/a | |
| Net Interest Margin | 3.69% | 3.04% | 3.66% | 4.29% | Beats 51% | 115 / 236 | n/a | |
| Efficiency Ratio | 102.58% | 70.13% | 80.33% | 91.34% | Beats 9% | 215 / 236 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.15% | 0.50% | 1.01% | Beats 32% | 162 / 236 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.69% | 10.93% | 13.51% | 18.75% | Beats 13% | 205 / 236 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.69% | 10.93% | 13.51% | 18.75% | Beats 13% | 205 / 236 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 93.46% | 57.97% | 73.07% | 88.23% | 85th pctl | 36 / 236 | n/a | |
| Loans / Assets | 83.28% | 48.43% | 62.45% | 73.71% | 94th pctl | 14 / 236 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |