Yoakum County
Plains, TX · Charter 6472 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$8.0MAssets
$4.4MLoans
$6.0MShares
$2.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of credit unions under $1B in assets in TX (rank 28 of 235).
- Widest gap: efficiency ratio trails 76% of credit unions under $1B in assets in TX (rank 180 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.30%
Rank 157 of 235
Net Interest Margin
3.73%
Rank 135 of 235
Efficiency Ratio
91.89%
Rank 180 of 235
Equity / Assets
24.95%
Rank 28 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.17% | 0.57% | 1.10% | Beats 33% | 157 / 235 | |
| Return on Equity | 1.20% | 1.03% | 4.30% | 7.58% | Beats 26% | 174 / 235 | |
| Net Interest Margin | 3.73% | 3.32% | 3.89% | 4.35% | Beats 43% | 135 / 235 | |
| Efficiency Ratio | 91.89% | 70.60% | 82.00% | 91.57% | Beats 24% | 180 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.20% | 0.59% | 1.14% | Beats 84% | 39 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 24.95% | 11.30% | 14.41% | 19.49% | Beats 88% | 28 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 24.95% | 11.30% | 14.41% | 19.49% | Beats 88% | 28 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 73.26% | 54.18% | 67.38% | 81.66% | 63rd pctl | 88 / 235 | |
| Loans / Assets | 54.60% | 43.80% | 56.63% | 68.64% | 45th pctl | 129 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |