PTS
Fort Worth, TX · Charter 678 · Peer group: credit unions under $1B in assets in TX (n=233)
NCUA · 1 branch
Q4 2024
$19.2MAssets
$14.1MLoans
$18.1MShares
$858KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 16% of credit unions under $1B in assets in TX (rank 196 of 233).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in TX (rank 233 of 233).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-3.86%
Rank 233 of 233
Net Interest Margin
2.93%
Rank 196 of 233
Efficiency Ratio
166.71%
Rank 233 of 233
Equity / Assets
4.48%
Rank 233 of 233
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -3.86% | 0.12% | 0.54% | 1.08% | Beats 0% | 233 / 233 | |
| Return on Equity | -86.25% | 0.84% | 3.92% | 7.05% | Beats 0% | 233 / 233 | |
| Net Interest Margin | 2.93% | 3.14% | 3.75% | 4.40% | Beats 16% | 196 / 233 | |
| Efficiency Ratio | 166.71% | 70.42% | 80.73% | 90.63% | Beats 0% | 233 / 233 | |
| Asset Quality |
| Nonperforming Loans / Loans | 12.85% | 0.30% | 0.63% | 1.22% | Beats 0% | 233 / 233 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 4.48% | 11.13% | 13.76% | 18.98% | Beats 0% | 233 / 233 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 4.48% | 11.13% | 13.76% | 18.98% | Beats 0% | 233 / 233 | |
| Liquidity & Funding |
| Loans / Deposits | 77.59% | 57.18% | 72.80% | 85.52% | 56th pctl | 102 / 233 | |
| Loans / Assets | 73.49% | 48.04% | 61.08% | 71.76% | 79th pctl | 50 / 233 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |