Centex Citizens
Mexia, TX · Charter 67416 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$118.9MAssets
$64.2MLoans
$97.7MShares
$20.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 78% of credit unions under $1B in assets in TX (rank 51 of 235).
- Widest gap: nonperforming loans / loans trails 40% of credit unions under $1B in assets in TX (rank 96 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.23%
Rank 51 of 235
Net Interest Margin
4.22%
Rank 70 of 235
Efficiency Ratio
77.93%
Rank 96 of 235
Equity / Assets
17.16%
Rank 78 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.17% | 0.57% | 1.10% | Beats 78% | 51 / 235 | | |
| Return on Equity | 7.14% | 1.03% | 4.30% | 7.58% | Beats 71% | 68 / 235 | | |
| Net Interest Margin | 4.22% | 3.32% | 3.89% | 4.35% | Beats 70% | 70 / 235 | | |
| Efficiency Ratio | 77.93% | 70.60% | 82.00% | 91.57% | Beats 60% | 96 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.20% | 0.59% | 1.14% | Beats 60% | 96 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.16% | 11.30% | 14.41% | 19.49% | Beats 67% | 78 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.16% | 11.30% | 14.41% | 19.49% | Beats 67% | 78 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.74% | 54.18% | 67.38% | 81.66% | 47th pctl | 125 / 235 | | |
| Loans / Assets | 54.04% | 43.80% | 56.63% | 68.64% | 43rd pctl | 133 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |