Employees
Dallas, TX · Charter 68325 · Peer group: credit unions under $1B in assets in TX (n=236)
NCUA · 2 branches
Q2 2024
$72.3MAssets
$57.7MLoans
$66.4MShares
$4.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in TX (rank 12 of 236).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in TX (rank 236 of 236).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-4.70%
Rank 236 of 236
Net Interest Margin
5.29%
Rank 12 of 236
Efficiency Ratio
95.61%
Rank 198 of 236
Equity / Assets
5.58%
Rank 236 of 236
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.70% | 0.22% | 0.63% | 1.16% | Beats 0% | 236 / 236 | |
| Return on Equity | -84.18% | 1.20% | 4.56% | 7.60% | Beats 0% | 236 / 236 | |
| Net Interest Margin | 5.29% | 3.04% | 3.66% | 4.29% | Beats 95% | 12 / 236 | |
| Efficiency Ratio | 95.61% | 70.13% | 80.33% | 91.34% | Beats 17% | 198 / 236 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.03% | 0.15% | 0.50% | 1.01% | Beats 13% | 206 / 236 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 5.58% | 10.93% | 13.51% | 18.75% | Beats 0% | 236 / 236 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 5.58% | 10.93% | 13.51% | 18.75% | Beats 0% | 236 / 236 | |
| Liquidity & Funding |
| Loans / Deposits | 86.93% | 57.97% | 73.07% | 88.23% | 71st pctl | 68 / 236 | |
| Loans / Assets | 79.88% | 48.43% | 62.45% | 73.71% | 87th pctl | 30 / 236 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |