A.T. & T. Employees
Dallas, TX · Charter 67490 · Peer group: credit unions under $1B in assets in TX (n=234)
NCUA · 2 branches
Q3 2024
$53.7MAssets
$28.3MLoans
$45.8MShares
$8.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 65% of credit unions under $1B in assets in TX (rank 82 of 234).
- Widest gap: efficiency ratio trails 99% of credit unions under $1B in assets in TX (rank 233 of 234).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-2.13%
Rank 232 of 234
Net Interest Margin
2.16%
Rank 229 of 234
Efficiency Ratio
165.15%
Rank 233 of 234
Equity / Assets
15.26%
Rank 99 of 234
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.13% | 0.19% | 0.62% | 1.18% | Beats 1% | 232 / 234 | | |
| Return on Equity | -13.96% | 1.13% | 4.44% | 8.04% | Beats 2% | 230 / 234 | | |
| Net Interest Margin | 2.16% | 3.11% | 3.75% | 4.34% | Beats 2% | 229 / 234 | | |
| Efficiency Ratio | 165.15% | 69.34% | 80.01% | 90.49% | Beats 1% | 233 / 234 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.18% | 0.49% | 0.97% | Beats 65% | 82 / 234 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.26% | 10.97% | 13.77% | 18.79% | Beats 58% | 99 / 234 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.26% | 10.97% | 13.77% | 18.79% | Beats 58% | 99 / 234 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.77% | 57.92% | 72.95% | 87.23% | 32nd pctl | 160 / 234 | | |
| Loans / Assets | 52.65% | 48.01% | 60.74% | 72.99% | 32nd pctl | 160 / 234 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |