Edinburg Teachers
Edinburg, TX · Charter 66366 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$98.0MAssets
$20.6MLoans
$80.7MShares
$22.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 84% of credit unions under $1B in assets in TX (rank 38 of 235).
- Widest gap: net interest margin trails 96% of credit unions under $1B in assets in TX (rank 225 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.23%
Rank 165 of 235
Net Interest Margin
2.63%
Rank 225 of 235
Efficiency Ratio
89.91%
Rank 166 of 235
Equity / Assets
22.59%
Rank 38 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.17% | 0.57% | 1.10% | Beats 30% | 165 / 235 | | |
| Return on Equity | 1.03% | 1.03% | 4.30% | 7.58% | Beats 25% | 177 / 235 | | |
| Net Interest Margin | 2.63% | 3.32% | 3.89% | 4.35% | Beats 4% | 225 / 235 | | |
| Efficiency Ratio | 89.91% | 70.60% | 82.00% | 91.57% | Beats 30% | 166 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.20% | 0.59% | 1.14% | Beats 83% | 42 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.59% | 11.30% | 14.41% | 19.49% | Beats 84% | 38 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.59% | 11.30% | 14.41% | 19.49% | Beats 84% | 38 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 25.59% | 54.18% | 67.38% | 81.66% | 2nd pctl | 231 / 235 | | |
| Loans / Assets | 21.07% | 43.80% | 56.63% | 68.64% | 2nd pctl | 230 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |