Texas Trust
Mansfield, TX · Charter 68434 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$2.1BAssets
$1.5BLoans
$1.7BShares
$222.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 50% of credit unions $1B-$10B in assets (rank 217 of 435).
- Widest gap: net interest margin trails 80% of credit unions $1B-$10B in assets (rank 347 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.60%
Rank 308 of 435
Net Interest Margin
2.93%
Rank 347 of 435
Efficiency Ratio
71.33%
Rank 217 of 435
Equity / Assets
10.55%
Rank 253 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.55% | 0.81% | 1.14% | Beats 29% | 308 / 435 | | |
| Return on Equity | 5.69% | 5.12% | 7.41% | 9.70% | Beats 32% | 297 / 435 | | |
| Net Interest Margin | 2.93% | 3.01% | 3.39% | 3.75% | Beats 20% | 347 / 435 | | |
| Efficiency Ratio | 71.33% | 65.25% | 71.39% | 77.86% | Beats 50% | 217 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.45% | 0.69% | 1.05% | Beats 31% | 301 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.55% | 9.81% | 10.84% | 12.63% | Beats 42% | 253 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.55% | 9.81% | 10.84% | 12.63% | Beats 42% | 253 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.13% | 78.33% | 88.38% | 95.61% | 59th pctl | 178 / 435 | | |
| Loans / Assets | 73.31% | 67.69% | 74.58% | 80.80% | 45th pctl | 241 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |