The People's
Amarillo, TX · Charter 8290 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
$229.0MAssets
$145.1MLoans
$210.1MShares
$20.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 62% of credit unions under $1B in assets in TX (rank 89 of 235).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets in TX (rank 220 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.52%
Rank 126 of 235
Net Interest Margin
3.79%
Rank 130 of 235
Efficiency Ratio
83.21%
Rank 129 of 235
Equity / Assets
8.79%
Rank 220 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.17% | 0.57% | 1.10% | Beats 46% | 126 / 235 | |
| Return on Equity | 5.88% | 1.03% | 4.30% | 7.58% | Beats 62% | 89 / 235 | |
| Net Interest Margin | 3.79% | 3.32% | 3.89% | 4.35% | Beats 45% | 130 / 235 | |
| Efficiency Ratio | 83.21% | 70.60% | 82.00% | 91.57% | Beats 46% | 129 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.15% | 0.20% | 0.59% | 1.14% | Beats 25% | 178 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.79% | 11.30% | 14.41% | 19.49% | Beats 6% | 220 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.79% | 11.30% | 14.41% | 19.49% | Beats 6% | 220 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 69.07% | 54.18% | 67.38% | 81.66% | 51st pctl | 114 / 235 | |
| Loans / Assets | 63.37% | 43.80% | 56.63% | 68.64% | 66th pctl | 81 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |