South Texas
McALLEN, TX · Charter 8237 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$69.2MAssets
$17.8MLoans
$63.8MShares
$5.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 53% of credit unions under $1B in assets in TX (rank 111 of 235).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets in TX (rank 225 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.40%
Rank 144 of 235
Net Interest Margin
3.44%
Rank 162 of 235
Efficiency Ratio
85.02%
Rank 140 of 235
Equity / Assets
8.57%
Rank 225 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.17% | 0.57% | 1.10% | Beats 39% | 144 / 235 | |
| Return on Equity | 4.69% | 1.03% | 4.30% | 7.58% | Beats 53% | 111 / 235 | |
| Net Interest Margin | 3.44% | 3.32% | 3.89% | 4.35% | Beats 31% | 162 / 235 | |
| Efficiency Ratio | 85.02% | 70.60% | 82.00% | 91.57% | Beats 41% | 140 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.39% | 0.20% | 0.59% | 1.14% | Beats 10% | 212 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.57% | 11.30% | 14.41% | 19.49% | Beats 4% | 225 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.57% | 11.30% | 14.41% | 19.49% | Beats 4% | 225 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 27.84% | 54.18% | 67.38% | 81.66% | 3rd pctl | 227 / 235 | |
| Loans / Assets | 25.69% | 43.80% | 56.63% | 68.64% | 6th pctl | 222 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |