Neches
Port Neches, TX · Charter 7916 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
$1.2BAssets
$918.8MLoans
$1.0BShares
$180.2MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 99% of credit unions $1B-$10B in assets (rank 3 of 435).
- Widest gap: net interest margin trails 17% of credit unions $1B-$10B in assets (rank 75 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.14%
Rank 3 of 435
Net Interest Margin
3.90%
Rank 75 of 435
Efficiency Ratio
58.85%
Rank 44 of 435
Equity / Assets
14.66%
Rank 40 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.14% | 0.55% | 0.81% | 1.14% | Beats 99% | 3 / 435 | |
| Return on Equity | 14.57% | 5.12% | 7.41% | 9.70% | Beats 98% | 9 / 435 | |
| Net Interest Margin | 3.90% | 3.01% | 3.39% | 3.75% | Beats 83% | 75 / 435 | |
| Efficiency Ratio | 58.85% | 65.25% | 71.39% | 77.86% | Beats 90% | 44 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.45% | 0.69% | 1.05% | Beats 96% | 20 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.66% | 9.81% | 10.84% | 12.63% | Beats 91% | 40 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.66% | 9.81% | 10.84% | 12.63% | Beats 91% | 40 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 88.00% | 78.33% | 88.38% | 95.61% | 49th pctl | 222 / 435 | |
| Loans / Assets | 74.73% | 67.69% | 74.58% | 80.80% | 50th pctl | 217 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |