Golden Triangle
Groves, TX · Charter 8298 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$37.9MAssets
$14.9MLoans
$30.6MShares
$7.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 74% of credit unions under $1B in assets in TX (rank 62 of 235).
- Widest gap: return on equity trails 83% of credit unions under $1B in assets in TX (rank 195 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.05%
Rank 191 of 235
Net Interest Margin
4.07%
Rank 87 of 235
Efficiency Ratio
93.39%
Rank 184 of 235
Equity / Assets
18.61%
Rank 62 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 0.17% | 0.57% | 1.10% | Beats 19% | 191 / 235 | |
| Return on Equity | 0.28% | 1.03% | 4.30% | 7.58% | Beats 17% | 195 / 235 | |
| Net Interest Margin | 4.07% | 3.32% | 3.89% | 4.35% | Beats 63% | 87 / 235 | |
| Efficiency Ratio | 93.39% | 70.60% | 82.00% | 91.57% | Beats 22% | 184 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.20% | 0.59% | 1.14% | Beats 46% | 128 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.61% | 11.30% | 14.41% | 19.49% | Beats 74% | 62 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.61% | 11.30% | 14.41% | 19.49% | Beats 74% | 62 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 48.77% | 54.18% | 67.38% | 81.66% | 17th pctl | 195 / 235 | |
| Loans / Assets | 39.38% | 43.80% | 56.63% | 68.64% | 19th pctl | 191 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |