Texas DPS
Austin, TX · Charter 67511 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$98.1MAssets
$56.2MLoans
$85.2MShares
$12.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets in TX (rank 48 of 235).
- Widest gap: equity / assets trails 63% of credit unions under $1B in assets in TX (rank 148 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.61%
Rank 113 of 235
Net Interest Margin
4.06%
Rank 89 of 235
Efficiency Ratio
82.29%
Rank 121 of 235
Equity / Assets
12.48%
Rank 148 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.17% | 0.57% | 1.10% | Beats 52% | 113 / 235 | | |
| Return on Equity | 4.87% | 1.03% | 4.30% | 7.58% | Beats 55% | 105 / 235 | | |
| Net Interest Margin | 4.06% | 3.32% | 3.89% | 4.35% | Beats 62% | 89 / 235 | | |
| Efficiency Ratio | 82.29% | 70.60% | 82.00% | 91.57% | Beats 49% | 121 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.59% | 1.14% | Beats 80% | 48 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.48% | 11.30% | 14.41% | 19.49% | Beats 37% | 148 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.48% | 11.30% | 14.41% | 19.49% | Beats 37% | 148 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.02% | 54.18% | 67.38% | 81.66% | 48th pctl | 123 / 235 | | |
| Loans / Assets | 57.34% | 43.80% | 56.63% | 68.64% | 51st pctl | 115 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |