Community Service
Huntsville, TX · Charter 67974 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$163.8MAssets
$124.4MLoans
$146.5MShares
$15.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 81% of credit unions under $1B in assets in TX (rank 45 of 235).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets in TX (rank 205 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.44%
Rank 135 of 235
Net Interest Margin
4.55%
Rank 45 of 235
Efficiency Ratio
80.90%
Rank 114 of 235
Equity / Assets
9.45%
Rank 205 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.44% | 0.17% | 0.57% | 1.10% | Beats 43% | 135 / 235 | |
| Return on Equity | 4.69% | 1.03% | 4.30% | 7.58% | Beats 53% | 110 / 235 | |
| Net Interest Margin | 4.55% | 3.32% | 3.89% | 4.35% | Beats 81% | 45 / 235 | |
| Efficiency Ratio | 80.90% | 70.60% | 82.00% | 91.57% | Beats 52% | 114 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.20% | 0.59% | 1.14% | Beats 34% | 155 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.45% | 11.30% | 14.41% | 19.49% | Beats 13% | 205 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.45% | 11.30% | 14.41% | 19.49% | Beats 13% | 205 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 84.95% | 54.18% | 67.38% | 81.66% | 79th pctl | 49 / 235 | |
| Loans / Assets | 75.95% | 43.80% | 56.63% | 68.64% | 89th pctl | 26 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |