Matagorda County
Bay City, TX · Charter 67545 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$36.2MAssets
$17.0MLoans
$29.9MShares
$6.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 87% of credit unions under $1B in assets in TX (rank 31 of 235).
- Widest gap: net interest margin trails 64% of credit unions under $1B in assets in TX (rank 150 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.55%
Rank 31 of 235
Net Interest Margin
3.58%
Rank 150 of 235
Efficiency Ratio
64.05%
Rank 32 of 235
Equity / Assets
17.39%
Rank 75 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.17% | 0.57% | 1.10% | Beats 87% | 31 / 235 | | |
| Return on Equity | 8.92% | 1.03% | 4.30% | 7.58% | Beats 80% | 46 / 235 | | |
| Net Interest Margin | 3.58% | 3.32% | 3.89% | 4.35% | Beats 36% | 150 / 235 | | |
| Efficiency Ratio | 64.05% | 70.60% | 82.00% | 91.57% | Beats 87% | 32 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.20% | 0.59% | 1.14% | Beats 70% | 71 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.39% | 11.30% | 14.41% | 19.49% | Beats 68% | 75 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.39% | 11.30% | 14.41% | 19.49% | Beats 68% | 75 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.00% | 54.18% | 67.38% | 81.66% | 30th pctl | 165 / 235 | | |
| Loans / Assets | 47.03% | 43.80% | 56.63% | 68.64% | 30th pctl | 164 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |