Paris District
Paris, TX · Charter 67499 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$428KAssets
$195KLoans
$340KShares
$87KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 85% of credit unions under $1B in assets in TX (rank 36 of 235).
- Widest gap: efficiency ratio trails 88% of credit unions under $1B in assets in TX (rank 210 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.00%
Rank 198 of 235
Net Interest Margin
4.67%
Rank 36 of 235
Efficiency Ratio
100.00%
Rank 210 of 235
Equity / Assets
20.33%
Rank 52 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.00% | 0.17% | 0.57% | 1.10% | Beats 15% | 198 / 235 | |
| Return on Equity | 0.00% | 1.03% | 4.30% | 7.58% | Beats 15% | 198 / 235 | |
| Net Interest Margin | 4.67% | 3.32% | 3.89% | 4.35% | Beats 85% | 36 / 235 | |
| Efficiency Ratio | 100.00% | 70.60% | 82.00% | 91.57% | Beats 12% | 210 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.05% | 0.20% | 0.59% | 1.14% | Beats 13% | 205 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.33% | 11.30% | 14.41% | 19.49% | Beats 78% | 52 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.33% | 11.30% | 14.41% | 19.49% | Beats 78% | 52 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 57.35% | 54.18% | 67.38% | 81.66% | 31st pctl | 163 / 235 | |
| Loans / Assets | 45.56% | 43.80% | 56.63% | 68.64% | 26th pctl | 173 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |