Fivepoint
Nederland, TX · Charter 68643 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
$1.1BAssets
$889.0MLoans
$1.0BShares
$98.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions $1B-$10B in assets (rank 133 of 435).
- Widest gap: equity / assets trails 92% of credit unions $1B-$10B in assets (rank 400 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.45%
Rank 356 of 435
Net Interest Margin
3.66%
Rank 133 of 435
Efficiency Ratio
77.97%
Rank 330 of 435
Equity / Assets
8.78%
Rank 400 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.55% | 0.81% | 1.14% | Beats 18% | 356 / 435 | |
| Return on Equity | 5.15% | 5.12% | 7.41% | 9.70% | Beats 26% | 324 / 435 | |
| Net Interest Margin | 3.66% | 3.01% | 3.39% | 3.75% | Beats 69% | 133 / 435 | |
| Efficiency Ratio | 77.97% | 65.25% | 71.39% | 77.86% | Beats 24% | 330 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.45% | 0.69% | 1.05% | Beats 44% | 245 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.78% | 9.81% | 10.84% | 12.63% | Beats 8% | 400 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.78% | 9.81% | 10.84% | 12.63% | Beats 8% | 400 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 88.54% | 78.33% | 88.38% | 95.61% | 51st pctl | 214 / 435 | |
| Loans / Assets | 79.62% | 67.69% | 74.58% | 80.80% | 68th pctl | 139 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |