Txdot
Abilene, TX · Charter 67439 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$18.2MAssets
$14.4MLoans
$15.0MShares
$3.1MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 79% of credit unions under $1B in assets in TX (rank 50 of 235).
- Widest gap: nonperforming loans / loans trails 48% of credit unions under $1B in assets in TX (rank 113 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
0.95%
Rank 73 of 235
Net Interest Margin
3.96%
Rank 108 of 235
Efficiency Ratio
69.15%
Rank 50 of 235
Equity / Assets
17.19%
Rank 77 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.17% | 0.57% | 1.10% | Beats 69% | 73 / 235 | |
| Return on Equity | 5.55% | 1.03% | 4.30% | 7.58% | Beats 61% | 92 / 235 | |
| Net Interest Margin | 3.96% | 3.32% | 3.89% | 4.35% | Beats 54% | 108 / 235 | |
| Efficiency Ratio | 69.15% | 70.60% | 82.00% | 91.57% | Beats 79% | 50 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.20% | 0.59% | 1.14% | Beats 52% | 113 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.19% | 11.30% | 14.41% | 19.49% | Beats 67% | 77 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.19% | 11.30% | 14.41% | 19.49% | Beats 67% | 77 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 95.74% | 54.18% | 67.38% | 81.66% | 94th pctl | 13 / 235 | |
| Loans / Assets | 78.79% | 43.80% | 56.63% | 68.64% | 94th pctl | 14 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |