Scott and White Employees
Temple, TX · Charter 67612 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$71.7MAssets
$40.6MLoans
$57.6MShares
$13.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of credit unions under $1B in assets in TX (rank 7 of 235).
- Widest gap: nonperforming loans / loans trails 62% of credit unions under $1B in assets in TX (rank 147 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
2.26%
Rank 12 of 235
Net Interest Margin
3.86%
Rank 120 of 235
Efficiency Ratio
50.51%
Rank 7 of 235
Equity / Assets
18.49%
Rank 65 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.26% | 0.17% | 0.57% | 1.10% | Beats 95% | 12 / 235 | | |
| Return on Equity | 12.22% | 1.03% | 4.30% | 7.58% | Beats 94% | 15 / 235 | | |
| Net Interest Margin | 3.86% | 3.32% | 3.89% | 4.35% | Beats 49% | 120 / 235 | | |
| Efficiency Ratio | 50.51% | 70.60% | 82.00% | 91.57% | Beats 97% | 7 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.20% | 0.59% | 1.14% | Beats 38% | 147 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.49% | 11.30% | 14.41% | 19.49% | Beats 72% | 65 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.49% | 11.30% | 14.41% | 19.49% | Beats 72% | 65 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.42% | 54.18% | 67.38% | 81.66% | 56th pctl | 103 / 235 | | |
| Loans / Assets | 56.63% | 43.80% | 56.63% | 68.64% | 50th pctl | 118 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |