Pecu
Austin, TX · Charter 67428 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
$431.4MAssets
$223.6MLoans
$368.7MShares
$63.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of credit unions under $1B in assets in TX (rank 24 of 235).
- Widest gap: net interest margin trails 67% of credit unions under $1B in assets in TX (rank 157 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.92%
Rank 80 of 235
Net Interest Margin
3.47%
Rank 157 of 235
Efficiency Ratio
62.33%
Rank 24 of 235
Equity / Assets
14.78%
Rank 110 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.17% | 0.57% | 1.10% | Beats 66% | 80 / 235 | | |
| Return on Equity | 6.20% | 1.03% | 4.30% | 7.58% | Beats 64% | 84 / 235 | | |
| Net Interest Margin | 3.47% | 3.32% | 3.89% | 4.35% | Beats 33% | 157 / 235 | | |
| Efficiency Ratio | 62.33% | 70.60% | 82.00% | 91.57% | Beats 90% | 24 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.20% | 0.59% | 1.14% | Beats 57% | 102 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.78% | 11.30% | 14.41% | 19.49% | Beats 53% | 110 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.78% | 11.30% | 14.41% | 19.49% | Beats 53% | 110 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.64% | 54.18% | 67.38% | 81.66% | 36th pctl | 150 / 235 | | |
| Loans / Assets | 51.83% | 43.80% | 56.63% | 68.64% | 39th pctl | 143 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |