Cabot Community
Pampa, TX · Charter 67581 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$45.3MAssets
$25.1MLoans
$37.8MShares
$7.2MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 84% of credit unions under $1B in assets in TX (rank 38 of 235).
- Widest gap: nonperforming loans / loans trails 76% of credit unions under $1B in assets in TX (rank 180 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.43%
Rank 38 of 235
Net Interest Margin
3.97%
Rank 102 of 235
Efficiency Ratio
66.61%
Rank 40 of 235
Equity / Assets
15.95%
Rank 93 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.17% | 0.57% | 1.10% | Beats 84% | 38 / 235 | |
| Return on Equity | 8.97% | 1.03% | 4.30% | 7.58% | Beats 81% | 44 / 235 | |
| Net Interest Margin | 3.97% | 3.32% | 3.89% | 4.35% | Beats 57% | 102 / 235 | |
| Efficiency Ratio | 66.61% | 70.60% | 82.00% | 91.57% | Beats 83% | 40 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.16% | 0.20% | 0.59% | 1.14% | Beats 24% | 180 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.95% | 11.30% | 14.41% | 19.49% | Beats 60% | 93 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.95% | 11.30% | 14.41% | 19.49% | Beats 60% | 93 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 66.49% | 54.18% | 67.38% | 81.66% | 48th pctl | 122 / 235 | |
| Loans / Assets | 55.40% | 43.80% | 56.63% | 68.64% | 48th pctl | 122 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |