Brazos Community
Alvin, TX · Charter 67510 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$20.0MAssets
$14.5MLoans
$16.4MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 66% of credit unions under $1B in assets in TX (rank 79 of 235).
- Widest gap: return on equity trails 99% of credit unions under $1B in assets in TX (rank 232 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-2.89%
Rank 232 of 235
Net Interest Margin
4.05%
Rank 90 of 235
Efficiency Ratio
112.72%
Rank 225 of 235
Equity / Assets
16.99%
Rank 79 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.89% | 0.17% | 0.57% | 1.10% | Beats 1% | 232 / 235 | |
| Return on Equity | -16.99% | 1.03% | 4.30% | 7.58% | Beats 1% | 232 / 235 | |
| Net Interest Margin | 4.05% | 3.32% | 3.89% | 4.35% | Beats 62% | 90 / 235 | |
| Efficiency Ratio | 112.72% | 70.60% | 82.00% | 91.57% | Beats 5% | 225 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.10% | 0.20% | 0.59% | 1.14% | Beats 12% | 207 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.99% | 11.30% | 14.41% | 19.49% | Beats 66% | 79 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.99% | 11.30% | 14.41% | 19.49% | Beats 66% | 79 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 88.73% | 54.18% | 67.38% | 81.66% | 86th pctl | 33 / 235 | |
| Loans / Assets | 72.79% | 43.80% | 56.63% | 68.64% | 82nd pctl | 42 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |