Credit Union of Texas
Allen, TX · Charter 66327 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
$2.6BAssets
$2.0BLoans
$2.3BShares
$214.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 37% of credit unions $1B-$10B in assets (rank 276 of 435).
- Widest gap: return on equity trails 97% of credit unions $1B-$10B in assets (rank 421 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.05%
Rank 422 of 435
Net Interest Margin
3.19%
Rank 276 of 435
Efficiency Ratio
87.71%
Rank 419 of 435
Equity / Assets
8.13%
Rank 417 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 0.55% | 0.81% | 1.14% | Beats 3% | 422 / 435 | |
| Return on Equity | 0.67% | 5.12% | 7.41% | 9.70% | Beats 3% | 421 / 435 | |
| Net Interest Margin | 3.19% | 3.01% | 3.39% | 3.75% | Beats 37% | 276 / 435 | |
| Efficiency Ratio | 87.71% | 65.25% | 71.39% | 77.86% | Beats 4% | 419 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.59% | 0.45% | 0.69% | 1.05% | Beats 8% | 400 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.13% | 9.81% | 10.84% | 12.63% | Beats 4% | 417 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.13% | 9.81% | 10.84% | 12.63% | Beats 4% | 417 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 87.50% | 78.33% | 88.38% | 95.61% | 47th pctl | 230 / 435 | |
| Loans / Assets | 75.11% | 67.69% | 74.58% | 80.80% | 52nd pctl | 207 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |