Members
Cleburne, TX · Charter 67649 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 3 branches
Q2 2026
$117.5MAssets
$57.9MLoans
$105.9MShares
$13.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 77% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 14 of 60).
- Widest gap: equity / assets trails 73% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 44 of 60).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.95%
Rank 18 of 60
Net Interest Margin
3.83%
Rank 33 of 60
Efficiency Ratio
78.37%
Rank 29 of 60
Equity / Assets
11.27%
Rank 44 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.02% | 0.62% | 0.99% | Beats 70% | 18 / 60 | |
| Return on Equity | 8.43% | 0.12% | 4.17% | 8.32% | Beats 77% | 14 / 60 | |
| Net Interest Margin | 3.83% | 3.36% | 3.95% | 4.45% | Beats 45% | 33 / 60 | |
| Efficiency Ratio | 78.37% | 70.09% | 78.52% | 92.77% | Beats 53% | 29 / 60 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.25% | 0.82% | 1.91% | Beats 62% | 24 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.27% | 11.15% | 14.35% | 19.86% | Beats 27% | 44 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.27% | 11.15% | 14.35% | 19.86% | Beats 27% | 44 / 60 | |
| Liquidity & Funding |
| Loans / Deposits | 54.67% | 51.31% | 60.45% | 81.20% | 35th pctl | 39 / 60 | |
| Loans / Assets | 49.29% | 41.11% | 52.43% | 68.66% | 42nd pctl | 35 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |