1st University
Waco, TX · Charter 67483 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$18.5MAssets
$11.1MLoans
$16.0MShares
$1.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 64% of credit unions under $1B in assets in TX (rank 86 of 235).
- Widest gap: efficiency ratio trails 85% of credit unions under $1B in assets in TX (rank 200 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.15%
Rank 181 of 235
Net Interest Margin
3.96%
Rank 106 of 235
Efficiency Ratio
95.92%
Rank 200 of 235
Equity / Assets
10.02%
Rank 197 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.15% | 0.17% | 0.57% | 1.10% | Beats 23% | 181 / 235 | | |
| Return on Equity | 1.51% | 1.03% | 4.30% | 7.58% | Beats 29% | 166 / 235 | | |
| Net Interest Margin | 3.96% | 3.32% | 3.89% | 4.35% | Beats 55% | 106 / 235 | | |
| Efficiency Ratio | 95.92% | 70.60% | 82.00% | 91.57% | Beats 15% | 200 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.20% | 0.59% | 1.14% | Beats 64% | 86 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.02% | 11.30% | 14.41% | 19.49% | Beats 16% | 197 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.02% | 11.30% | 14.41% | 19.49% | Beats 16% | 197 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.33% | 54.18% | 67.38% | 81.66% | 52nd pctl | 112 / 235 | | |
| Loans / Assets | 60.11% | 43.80% | 56.63% | 68.64% | 57th pctl | 101 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |