Central Texas Teachers
Corsicana, TX · Charter 67425 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$13.7MAssets
$9.5MLoans
$11.5MShares
$2.2MNet 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: return on equity trails 92% 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
-0.51%
Rank 216 of 235
Net Interest Margin
3.30%
Rank 180 of 235
Efficiency Ratio
101.27%
Rank 214 of 235
Equity / Assets
15.91%
Rank 94 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.51% | 0.17% | 0.57% | 1.10% | Beats 8% | 216 / 235 | | |
| Return on Equity | -3.20% | 1.03% | 4.30% | 7.58% | Beats 8% | 216 / 235 | | |
| Net Interest Margin | 3.30% | 3.32% | 3.89% | 4.35% | Beats 23% | 180 / 235 | | |
| Efficiency Ratio | 101.27% | 70.60% | 82.00% | 91.57% | Beats 9% | 214 / 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 | 15.91% | 11.30% | 14.41% | 19.49% | Beats 60% | 94 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.91% | 11.30% | 14.41% | 19.49% | Beats 60% | 94 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.23% | 54.18% | 67.38% | 81.66% | 76th pctl | 57 / 235 | | |
| Loans / Assets | 69.04% | 43.80% | 56.63% | 68.64% | 76th pctl | 56 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |