Cen Tex Manufacturing Brownwood, TX · Charter 67602 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 1 branch
Q2 2026
$15.0M Assets
$8.7M Loans
$11.5M Shares
$3.4M Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 88% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 7 of 60). Widest gap: nonperforming loans / loans trails 78% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 48 of 60). Overall: at or above the peer median on 5 of 7 directional measures. Return on Assets
0.87%
Rank 21 of 60
Net Interest Margin
4.75%
Rank 10 of 60
Efficiency Ratio
74.00%
Rank 18 of 60
Equity / Assets
22.37%
Rank 7 of 60
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 0.87% 0.02% 0.62% 0.99% Beats 65% 21 / 60 Return on Equity 3.88% 0.12% 4.17% 8.32% Beats 43% 34 / 60 Net Interest Margin 4.75% 3.36% 3.95% 4.45% Beats 83% 10 / 60 Efficiency Ratio 74.00% 70.09% 78.52% 92.77% Beats 72% 18 / 60 Asset Quality Nonperforming Loans / Loans 2.19% 0.25% 0.82% 1.91% Beats 22% 48 / 60 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 22.37% 11.15% 14.35% 19.86% Beats 88% 7 / 60 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 22.37% 11.15% 14.35% 19.86% Beats 88% 7 / 60 Liquidity & Funding Loans / Deposits 75.86% 51.31% 60.45% 81.20% 67th pctl 20 / 60 Loans / Assets 58.12% 41.11% 52.43% 68.66% 60th pctl 24 / 60 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11