Waco
Waco, TX · Charter 6368 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$20.3MAssets
$8.3MLoans
$18.1MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 83% of credit unions under $1B in assets in TX (rank 41 of 235).
- Widest gap: equity / assets trails 83% of credit unions under $1B in assets in TX (rank 195 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.94%
Rank 77 of 235
Net Interest Margin
4.38%
Rank 57 of 235
Efficiency Ratio
79.14%
Rank 103 of 235
Equity / Assets
10.19%
Rank 195 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.17% | 0.57% | 1.10% | Beats 67% | 77 / 235 | |
| Return on Equity | 9.18% | 1.03% | 4.30% | 7.58% | Beats 83% | 41 / 235 | |
| Net Interest Margin | 4.38% | 3.32% | 3.89% | 4.35% | Beats 76% | 57 / 235 | |
| Efficiency Ratio | 79.14% | 70.60% | 82.00% | 91.57% | Beats 57% | 103 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.43% | 0.20% | 0.59% | 1.14% | Beats 20% | 190 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.19% | 11.30% | 14.41% | 19.49% | Beats 17% | 195 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.19% | 11.30% | 14.41% | 19.49% | Beats 17% | 195 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 46.09% | 54.18% | 67.38% | 81.66% | 14th pctl | 201 / 235 | |
| Loans / Assets | 41.09% | 43.80% | 56.63% | 68.64% | 21st pctl | 185 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |