Trinity Valley Teachers
Palestine, TX · Charter 67634 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$31.6MAssets
$5.7MLoans
$21.6MShares
$9.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of credit unions under $1B in assets in TX (rank 15 of 235).
- Widest gap: nonperforming loans / loans trails 50% of credit unions under $1B in assets in TX (rank 119 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.55%
Rank 30 of 235
Net Interest Margin
3.90%
Rank 117 of 235
Efficiency Ratio
58.53%
Rank 15 of 235
Equity / Assets
31.33%
Rank 14 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.17% | 0.57% | 1.10% | Beats 87% | 30 / 235 | |
| Return on Equity | 4.95% | 1.03% | 4.30% | 7.58% | Beats 56% | 104 / 235 | |
| Net Interest Margin | 3.90% | 3.32% | 3.89% | 4.35% | Beats 50% | 117 / 235 | |
| Efficiency Ratio | 58.53% | 70.60% | 82.00% | 91.57% | Beats 94% | 15 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.20% | 0.59% | 1.14% | Beats 50% | 119 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 31.33% | 11.30% | 14.41% | 19.49% | Beats 94% | 14 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 31.33% | 11.30% | 14.41% | 19.49% | Beats 94% | 14 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 26.40% | 54.18% | 67.38% | 81.66% | 2nd pctl | 230 / 235 | |
| Loans / Assets | 18.07% | 43.80% | 56.63% | 68.64% | 1st pctl | 233 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |