Odessa Employees
Odessa, TX · Charter 67534 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$21.0MAssets
$10.6MLoans
$17.5MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in TX (rank 19 of 235).
- Widest gap: efficiency ratio trails 67% of credit unions under $1B in assets in TX (rank 158 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.65%
Rank 110 of 235
Net Interest Margin
4.10%
Rank 82 of 235
Efficiency Ratio
87.78%
Rank 158 of 235
Equity / Assets
16.15%
Rank 90 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.17% | 0.57% | 1.10% | Beats 53% | 110 / 235 | | |
| Return on Equity | 4.02% | 1.03% | 4.30% | 7.58% | Beats 47% | 125 / 235 | | |
| Net Interest Margin | 4.10% | 3.32% | 3.89% | 4.35% | Beats 65% | 82 / 235 | | |
| Efficiency Ratio | 87.78% | 70.60% | 82.00% | 91.57% | Beats 33% | 158 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.15% | 11.30% | 14.41% | 19.49% | Beats 62% | 90 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.15% | 11.30% | 14.41% | 19.49% | Beats 62% | 90 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.69% | 54.18% | 67.38% | 81.66% | 37th pctl | 149 / 235 | | |
| Loans / Assets | 50.68% | 43.80% | 56.63% | 68.64% | 37th pctl | 147 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |