Datcu
Denton, TX · Charter 67535 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
$1.8BAssets
$1.5BLoans
$1.5BShares
$306.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 98% of credit unions $1B-$10B in assets (rank 8 of 435).
- Widest gap: return on equity trails 31% of credit unions $1B-$10B in assets (rank 133 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.57%
Rank 29 of 435
Net Interest Margin
4.09%
Rank 41 of 435
Efficiency Ratio
54.10%
Rank 20 of 435
Equity / Assets
17.19%
Rank 15 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.57% | 0.55% | 0.81% | 1.14% | Beats 93% | 29 / 435 | | |
| Return on Equity | 9.12% | 5.12% | 7.41% | 9.70% | Beats 69% | 133 / 435 | | |
| Net Interest Margin | 4.09% | 3.01% | 3.39% | 3.75% | Beats 91% | 41 / 435 | | |
| Efficiency Ratio | 54.10% | 65.25% | 71.39% | 77.86% | Beats 96% | 20 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.45% | 0.69% | 1.05% | Beats 98% | 8 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.19% | 9.81% | 10.84% | 12.63% | Beats 97% | 15 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.19% | 9.81% | 10.84% | 12.63% | Beats 97% | 15 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 105.48% | 78.33% | 88.38% | 95.61% | 95th pctl | 23 / 435 | | |
| Loans / Assets | 86.63% | 67.69% | 74.58% | 80.80% | 93rd pctl | 31 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |