Tex Mex
Laredo, TX · Charter 67579 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$8.4MAssets
$4.3MLoans
$6.4MShares
$2.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets in TX (rank 15 of 235).
- Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets in TX (rank 227 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.17%
Rank 208 of 235
Net Interest Margin
5.12%
Rank 15 of 235
Efficiency Ratio
116.48%
Rank 227 of 235
Equity / Assets
23.94%
Rank 31 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.17% | 0.17% | 0.57% | 1.10% | Beats 11% | 208 / 235 | |
| Return on Equity | -0.69% | 1.03% | 4.30% | 7.58% | Beats 13% | 205 / 235 | |
| Net Interest Margin | 5.12% | 3.32% | 3.89% | 4.35% | Beats 94% | 15 / 235 | |
| Efficiency Ratio | 116.48% | 70.60% | 82.00% | 91.57% | Beats 4% | 227 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.48% | 0.20% | 0.59% | 1.14% | Beats 9% | 216 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.94% | 11.30% | 14.41% | 19.49% | Beats 87% | 31 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.94% | 11.30% | 14.41% | 19.49% | Beats 87% | 31 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 67.38% | 54.18% | 67.38% | 81.66% | 50th pctl | 118 / 235 | |
| Loans / Assets | 51.08% | 43.80% | 56.63% | 68.64% | 38th pctl | 145 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |