Doches
Nacogdoches, TX · Charter 62446 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
$64.5MAssets
$49.9MLoans
$56.4MShares
$8.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 83% of credit unions under $1B in assets in TX (rank 41 of 235).
- Widest gap: efficiency ratio trails 66% of credit unions under $1B in assets in TX (rank 155 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.59%
Rank 116 of 235
Net Interest Margin
4.59%
Rank 41 of 235
Efficiency Ratio
86.86%
Rank 155 of 235
Equity / Assets
13.54%
Rank 132 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.17% | 0.57% | 1.10% | Beats 51% | 116 / 235 | |
| Return on Equity | 4.33% | 1.03% | 4.30% | 7.58% | Beats 51% | 115 / 235 | |
| Net Interest Margin | 4.59% | 3.32% | 3.89% | 4.35% | Beats 83% | 41 / 235 | |
| Efficiency Ratio | 86.86% | 70.60% | 82.00% | 91.57% | Beats 34% | 155 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.20% | 0.59% | 1.14% | Beats 46% | 127 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.54% | 11.30% | 14.41% | 19.49% | Beats 44% | 132 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.54% | 11.30% | 14.41% | 19.49% | Beats 44% | 132 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 88.52% | 54.18% | 67.38% | 81.66% | 86th pctl | 34 / 235 | |
| Loans / Assets | 77.37% | 43.80% | 56.63% | 68.64% | 91st pctl | 21 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |