Union Pacific Employees
Beaumont, TX · Charter 67417 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$3.8MAssets
$2.5MLoans
$2.9MShares
$908KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets in TX (rank 29 of 235).
- Widest gap: efficiency ratio trails 91% of credit unions under $1B in assets in TX (rank 216 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.42%
Rank 212 of 235
Net Interest Margin
4.74%
Rank 29 of 235
Efficiency Ratio
102.06%
Rank 216 of 235
Equity / Assets
23.66%
Rank 33 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.42% | 0.17% | 0.57% | 1.10% | Beats 10% | 212 / 235 | |
| Return on Equity | -1.76% | 1.03% | 4.30% | 7.58% | Beats 10% | 212 / 235 | |
| Net Interest Margin | 4.74% | 3.32% | 3.89% | 4.35% | Beats 88% | 29 / 235 | |
| Efficiency Ratio | 102.06% | 70.60% | 82.00% | 91.57% | Beats 9% | 216 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.02% | 0.20% | 0.59% | 1.14% | Beats 14% | 204 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.66% | 11.30% | 14.41% | 19.49% | Beats 86% | 33 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.66% | 11.30% | 14.41% | 19.49% | Beats 86% | 33 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 86.62% | 54.18% | 67.38% | 81.66% | 82nd pctl | 43 / 235 | |
| Loans / Assets | 65.96% | 43.80% | 56.63% | 68.64% | 72nd pctl | 66 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |