Education
Amarillo, TX · Charter 67494 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 11 branches
Q2 2026
$469.2MAssets
$382.3MLoans
$404.3MShares
$59.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets in TX (rank 47 of 235).
- Widest gap: equity / assets trails 62% of credit unions under $1B in assets in TX (rank 145 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.53%
Rank 124 of 235
Net Interest Margin
4.50%
Rank 47 of 235
Efficiency Ratio
83.13%
Rank 128 of 235
Equity / Assets
12.63%
Rank 145 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.17% | 0.57% | 1.10% | Beats 47% | 124 / 235 | |
| Return on Equity | 4.22% | 1.03% | 4.30% | 7.58% | Beats 49% | 120 / 235 | |
| Net Interest Margin | 4.50% | 3.32% | 3.89% | 4.35% | Beats 80% | 47 / 235 | |
| Efficiency Ratio | 83.13% | 70.60% | 82.00% | 91.57% | Beats 46% | 128 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.20% | 0.59% | 1.14% | Beats 45% | 131 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.63% | 11.30% | 14.41% | 19.49% | Beats 38% | 145 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.63% | 11.30% | 14.41% | 19.49% | Beats 38% | 145 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 94.55% | 54.18% | 67.38% | 81.66% | 93rd pctl | 17 / 235 | |
| Loans / Assets | 81.47% | 43.80% | 56.63% | 68.64% | 96th pctl | 10 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |