Angelina County Teachers
Lufkin, TX · Charter 67440 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$12.9MAssets
$3.8MLoans
$10.5MShares
$2.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 96% of credit unions under $1B in assets in TX (rank 10 of 235).
- Widest gap: equity / assets trails 29% of credit unions under $1B in assets in TX (rank 67 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.33%
Rank 10 of 235
Net Interest Margin
5.14%
Rank 13 of 235
Efficiency Ratio
55.78%
Rank 11 of 235
Equity / Assets
18.38%
Rank 67 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.33% | 0.17% | 0.57% | 1.10% | Beats 96% | 10 / 235 | |
| Return on Equity | 12.68% | 1.03% | 4.30% | 7.58% | Beats 95% | 11 / 235 | |
| Net Interest Margin | 5.14% | 3.32% | 3.89% | 4.35% | Beats 94% | 13 / 235 | |
| Efficiency Ratio | 55.78% | 70.60% | 82.00% | 91.57% | Beats 96% | 11 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.20% | 0.59% | 1.14% | Beats 88% | 29 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.38% | 11.30% | 14.41% | 19.49% | Beats 71% | 67 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.38% | 11.30% | 14.41% | 19.49% | Beats 71% | 67 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 36.60% | 54.18% | 67.38% | 81.66% | 7th pctl | 218 / 235 | |
| Loans / Assets | 29.79% | 43.80% | 56.63% | 68.64% | 8th pctl | 217 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |