Caprock Santa Fe
Slaton, TX · Charter 67441 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$51.5MAssets
$14.6MLoans
$29.6MShares
$21.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets in TX (rank 4 of 235).
- Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets in TX (rank 199 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.14%
Rank 13 of 235
Net Interest Margin
4.00%
Rank 96 of 235
Efficiency Ratio
50.90%
Rank 8 of 235
Equity / Assets
41.73%
Rank 4 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.14% | 0.17% | 0.57% | 1.10% | Beats 94% | 13 / 235 | |
| Return on Equity | 5.13% | 1.03% | 4.30% | 7.58% | Beats 57% | 100 / 235 | |
| Net Interest Margin | 4.00% | 3.32% | 3.89% | 4.35% | Beats 59% | 96 / 235 | |
| Efficiency Ratio | 50.90% | 70.60% | 82.00% | 91.57% | Beats 97% | 8 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.77% | 0.20% | 0.59% | 1.14% | Beats 16% | 199 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 41.73% | 11.30% | 14.41% | 19.49% | Beats 98% | 4 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 41.73% | 11.30% | 14.41% | 19.49% | Beats 98% | 4 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 49.44% | 54.18% | 67.38% | 81.66% | 18th pctl | 193 / 235 | |
| Loans / Assets | 28.37% | 43.80% | 56.63% | 68.64% | 7th pctl | 218 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |