Educators
Waco, TX · Charter 67611 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 8 branches
Q2 2026
$609.5MAssets
$137.7MLoans
$484.8MShares
$123.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in TX (rank 1 of 235).
- Widest gap: net interest margin trails 84% of credit unions under $1B in assets in TX (rank 197 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.30%
Rank 11 of 235
Net Interest Margin
3.18%
Rank 197 of 235
Efficiency Ratio
34.74%
Rank 1 of 235
Equity / Assets
20.32%
Rank 53 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.30% | 0.17% | 0.57% | 1.10% | Beats 95% | 11 / 235 | |
| Return on Equity | 11.32% | 1.03% | 4.30% | 7.58% | Beats 90% | 24 / 235 | |
| Net Interest Margin | 3.18% | 3.32% | 3.89% | 4.35% | Beats 16% | 197 / 235 | |
| Efficiency Ratio | 34.74% | 70.60% | 82.00% | 91.57% | Beats 100% | 1 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.20% | 0.59% | 1.14% | Beats 77% | 55 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.32% | 11.30% | 14.41% | 19.49% | Beats 77% | 53 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.32% | 11.30% | 14.41% | 19.49% | Beats 77% | 53 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 28.41% | 54.18% | 67.38% | 81.66% | 4th pctl | 226 / 235 | |
| Loans / Assets | 22.59% | 43.80% | 56.63% | 68.64% | 3rd pctl | 228 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |