Chemcel
Bishop, TX · Charter 7129 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 6 branches
Q2 2026
$184.0MAssets
$102.5MLoans
$159.9MShares
$22.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 69% of credit unions under $1B in assets in TX (rank 74 of 235).
- Widest gap: net interest margin trails 90% of credit unions under $1B in assets in TX (rank 211 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.80%
Rank 91 of 235
Net Interest Margin
2.98%
Rank 211 of 235
Efficiency Ratio
76.50%
Rank 90 of 235
Equity / Assets
12.11%
Rank 159 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.17% | 0.57% | 1.10% | Beats 61% | 91 / 235 | |
| Return on Equity | 6.63% | 1.03% | 4.30% | 7.58% | Beats 69% | 74 / 235 | |
| Net Interest Margin | 2.98% | 3.32% | 3.89% | 4.35% | Beats 10% | 211 / 235 | |
| Efficiency Ratio | 76.50% | 70.60% | 82.00% | 91.57% | Beats 62% | 90 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.20% | 0.59% | 1.14% | Beats 38% | 146 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.11% | 11.30% | 14.41% | 19.49% | Beats 32% | 159 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.11% | 11.30% | 14.41% | 19.49% | Beats 32% | 159 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 64.11% | 54.18% | 67.38% | 81.66% | 43rd pctl | 134 / 235 | |
| Loans / Assets | 55.70% | 43.80% | 56.63% | 68.64% | 49th pctl | 121 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |