Texell
Temple, TX · Charter 68608 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 8 branches
Q2 2026
$801.0MAssets
$626.8MLoans
$700.0MShares
$84.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 95% of credit unions under $1B in assets in TX (rank 12 of 235).
- Widest gap: equity / assets trails 81% of credit unions under $1B in assets in TX (rank 190 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.31%
Rank 46 of 235
Net Interest Margin
4.04%
Rank 91 of 235
Efficiency Ratio
69.74%
Rank 53 of 235
Equity / Assets
10.48%
Rank 190 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.17% | 0.57% | 1.10% | Beats 80% | 46 / 235 | |
| Return on Equity | 12.54% | 1.03% | 4.30% | 7.58% | Beats 95% | 12 / 235 | |
| Net Interest Margin | 4.04% | 3.32% | 3.89% | 4.35% | Beats 61% | 91 / 235 | |
| Efficiency Ratio | 69.74% | 70.60% | 82.00% | 91.57% | Beats 78% | 53 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.20% | 0.59% | 1.14% | Beats 49% | 120 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.48% | 11.30% | 14.41% | 19.49% | Beats 19% | 190 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.48% | 11.30% | 14.41% | 19.49% | Beats 19% | 190 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 89.55% | 54.18% | 67.38% | 81.66% | 87th pctl | 31 / 235 | |
| Loans / Assets | 78.25% | 43.80% | 56.63% | 68.64% | 93rd pctl | 17 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |