Pampa Municipal
Pampa, TX · Charter 67621 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$5.4MAssets
$4.2MLoans
$4.6MShares
$760KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 74% of credit unions under $1B in assets in TX (rank 63 of 235).
- Widest gap: nonperforming loans / loans trails 83% of credit unions under $1B in assets in TX (rank 195 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.89%
Rank 83 of 235
Net Interest Margin
4.00%
Rank 97 of 235
Efficiency Ratio
71.31%
Rank 63 of 235
Equity / Assets
14.08%
Rank 124 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.17% | 0.57% | 1.10% | Beats 65% | 83 / 235 | |
| Return on Equity | 6.32% | 1.03% | 4.30% | 7.58% | Beats 66% | 81 / 235 | |
| Net Interest Margin | 4.00% | 3.32% | 3.89% | 4.35% | Beats 59% | 97 / 235 | |
| Efficiency Ratio | 71.31% | 70.60% | 82.00% | 91.57% | Beats 74% | 63 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.63% | 0.20% | 0.59% | 1.14% | Beats 17% | 195 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.08% | 11.30% | 14.41% | 19.49% | Beats 47% | 124 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.08% | 11.30% | 14.41% | 19.49% | Beats 47% | 124 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 90.86% | 54.18% | 67.38% | 81.66% | 89th pctl | 26 / 235 | |
| Loans / Assets | 77.35% | 43.80% | 56.63% | 68.64% | 91st pctl | 22 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |