South Texas Regional
Laredo, TX · Charter 7024 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$5.7MAssets
$3.9MLoans
$4.8MShares
$881KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets in TX (rank 33 of 235).
- Widest gap: efficiency ratio trails 66% of credit unions under $1B in assets in TX (rank 156 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.46%
Rank 131 of 235
Net Interest Margin
4.71%
Rank 33 of 235
Efficiency Ratio
86.93%
Rank 156 of 235
Equity / Assets
15.47%
Rank 100 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.17% | 0.57% | 1.10% | Beats 44% | 131 / 235 | | |
| Return on Equity | 2.95% | 1.03% | 4.30% | 7.58% | Beats 39% | 143 / 235 | | |
| Net Interest Margin | 4.71% | 3.32% | 3.89% | 4.35% | Beats 86% | 33 / 235 | | |
| Efficiency Ratio | 86.93% | 70.60% | 82.00% | 91.57% | Beats 34% | 156 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.59% | 1.14% | Beats 79% | 51 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.47% | 11.30% | 14.41% | 19.49% | Beats 57% | 100 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.47% | 11.30% | 14.41% | 19.49% | Beats 57% | 100 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.48% | 54.18% | 67.38% | 81.66% | 74th pctl | 62 / 235 | | |
| Loans / Assets | 68.00% | 43.80% | 56.63% | 68.64% | 74th pctl | 61 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |