Brazos Star
College Station, TX · Charter 67408 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$35.5MAssets
$15.3MLoans
$30.0MShares
$5.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 87% of credit unions under $1B in assets in TX (rank 31 of 235).
- Widest gap: net interest margin trails 69% of credit unions under $1B in assets in TX (rank 161 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.97%
Rank 71 of 235
Net Interest Margin
3.46%
Rank 161 of 235
Efficiency Ratio
64.01%
Rank 31 of 235
Equity / Assets
15.08%
Rank 103 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.17% | 0.57% | 1.10% | Beats 70% | 71 / 235 | |
| Return on Equity | 6.43% | 1.03% | 4.30% | 7.58% | Beats 66% | 79 / 235 | |
| Net Interest Margin | 3.46% | 3.32% | 3.89% | 4.35% | Beats 31% | 161 / 235 | |
| Efficiency Ratio | 64.01% | 70.60% | 82.00% | 91.57% | Beats 87% | 31 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.20% | 0.59% | 1.14% | Beats 64% | 85 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.08% | 11.30% | 14.41% | 19.49% | Beats 56% | 103 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.08% | 11.30% | 14.41% | 19.49% | Beats 56% | 103 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 51.07% | 54.18% | 67.38% | 81.66% | 20th pctl | 187 / 235 | |
| Loans / Assets | 43.15% | 43.80% | 56.63% | 68.64% | 24th pctl | 179 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |