Federal Employees
Texarkana, TX · Charter 67414 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$2.9MAssets
$1.3MLoans
$2.2MShares
$654KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in TX (rank 19 of 235).
- Widest gap: efficiency ratio trails 88% of credit unions under $1B in assets in TX (rank 210 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-0.07%
Rank 203 of 235
Net Interest Margin
4.91%
Rank 22 of 235
Efficiency Ratio
100.00%
Rank 210 of 235
Equity / Assets
22.93%
Rank 37 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.07% | 0.17% | 0.57% | 1.10% | Beats 14% | 203 / 235 | |
| Return on Equity | -0.31% | 1.03% | 4.30% | 7.58% | Beats 13% | 204 / 235 | |
| Net Interest Margin | 4.91% | 3.32% | 3.89% | 4.35% | Beats 91% | 22 / 235 | |
| Efficiency Ratio | 100.00% | 70.60% | 82.00% | 91.57% | Beats 12% | 210 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.93% | 11.30% | 14.41% | 19.49% | Beats 84% | 37 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.93% | 11.30% | 14.41% | 19.49% | Beats 84% | 37 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 59.89% | 54.18% | 67.38% | 81.66% | 34th pctl | 155 / 235 | |
| Loans / Assets | 46.07% | 43.80% | 56.63% | 68.64% | 29th pctl | 168 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |