West Texas
Odessa, TX · Charter 67592 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$70.3MAssets
$38.0MLoans
$63.1MShares
$6.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 68% of credit unions under $1B in assets in TX (rank 75 of 235).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets in TX (rank 211 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.11%
Rank 185 of 235
Net Interest Margin
4.13%
Rank 75 of 235
Efficiency Ratio
95.62%
Rank 199 of 235
Equity / Assets
9.29%
Rank 211 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.11% | 0.17% | 0.57% | 1.10% | Beats 21% | 185 / 235 | | |
| Return on Equity | 1.16% | 1.03% | 4.30% | 7.58% | Beats 25% | 176 / 235 | | |
| Net Interest Margin | 4.13% | 3.32% | 3.89% | 4.35% | Beats 68% | 75 / 235 | | |
| Efficiency Ratio | 95.62% | 70.60% | 82.00% | 91.57% | Beats 16% | 199 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.20% | 0.59% | 1.14% | Beats 26% | 174 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.29% | 11.30% | 14.41% | 19.49% | Beats 10% | 211 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.29% | 11.30% | 14.41% | 19.49% | Beats 10% | 211 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.25% | 54.18% | 67.38% | 81.66% | 36th pctl | 151 / 235 | | |
| Loans / Assets | 54.06% | 43.80% | 56.63% | 68.64% | 44th pctl | 132 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |