Freestone
Teague, TX · Charter 68005 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$77.3MAssets
$37.9MLoans
$67.8MShares
$8.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets in TX (rank 40 of 235).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets in TX (rank 216 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.54%
Rank 123 of 235
Net Interest Margin
2.88%
Rank 216 of 235
Efficiency Ratio
80.86%
Rank 113 of 235
Equity / Assets
10.32%
Rank 192 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.17% | 0.57% | 1.10% | Beats 48% | 123 / 235 | |
| Return on Equity | 5.21% | 1.03% | 4.30% | 7.58% | Beats 59% | 97 / 235 | |
| Net Interest Margin | 2.88% | 3.32% | 3.89% | 4.35% | Beats 8% | 216 / 235 | |
| Efficiency Ratio | 80.86% | 70.60% | 82.00% | 91.57% | Beats 52% | 113 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.20% | 0.59% | 1.14% | Beats 83% | 40 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 11.30% | 14.41% | 19.49% | Beats 18% | 192 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.32% | 11.30% | 14.41% | 19.49% | Beats 18% | 192 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 55.90% | 54.18% | 67.38% | 81.66% | 27th pctl | 171 / 235 | |
| Loans / Assets | 48.98% | 43.80% | 56.63% | 68.64% | 34th pctl | 156 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |