Mountain Star
El Paso, TX · Charter 856 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$46.5MAssets
$29.3MLoans
$35.5MShares
$8.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets in TX (rank 34 of 235).
- Widest gap: nonperforming loans / loans trails 59% of credit unions under $1B in assets in TX (rank 139 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.08%
Rank 60 of 235
Net Interest Margin
4.70%
Rank 34 of 235
Efficiency Ratio
67.75%
Rank 44 of 235
Equity / Assets
18.45%
Rank 66 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.17% | 0.57% | 1.10% | Beats 74% | 60 / 235 | |
| Return on Equity | 5.88% | 1.03% | 4.30% | 7.58% | Beats 62% | 90 / 235 | |
| Net Interest Margin | 4.70% | 3.32% | 3.89% | 4.35% | Beats 86% | 34 / 235 | |
| Efficiency Ratio | 67.75% | 70.60% | 82.00% | 91.57% | Beats 82% | 44 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.20% | 0.59% | 1.14% | Beats 41% | 139 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.45% | 11.30% | 14.41% | 19.49% | Beats 72% | 66 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.45% | 11.30% | 14.41% | 19.49% | Beats 72% | 66 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 82.63% | 54.18% | 67.38% | 81.66% | 76th pctl | 56 / 235 | |
| Loans / Assets | 63.13% | 43.80% | 56.63% | 68.64% | 64th pctl | 84 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |