Concho Valley
San Angelo, TX · Charter 67473 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$25.7MAssets
$13.5MLoans
$22.6MShares
$2.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets in TX (rank 46 of 235).
- Widest gap: net interest margin trails 80% of credit unions under $1B in assets in TX (rank 189 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.79%
Rank 96 of 235
Net Interest Margin
3.24%
Rank 189 of 235
Efficiency Ratio
78.25%
Rank 98 of 235
Equity / Assets
11.44%
Rank 175 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.17% | 0.57% | 1.10% | Beats 59% | 96 / 235 | | |
| Return on Equity | 6.87% | 1.03% | 4.30% | 7.58% | Beats 70% | 71 / 235 | | |
| Net Interest Margin | 3.24% | 3.32% | 3.89% | 4.35% | Beats 20% | 189 / 235 | | |
| Efficiency Ratio | 78.25% | 70.60% | 82.00% | 91.57% | Beats 59% | 98 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.20% | 0.59% | 1.14% | Beats 81% | 46 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.44% | 11.30% | 14.41% | 19.49% | Beats 26% | 175 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.44% | 11.30% | 14.41% | 19.49% | Beats 26% | 175 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.59% | 54.18% | 67.38% | 81.66% | 34th pctl | 156 / 235 | | |
| Loans / Assets | 52.53% | 43.80% | 56.63% | 68.64% | 41st pctl | 138 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |