Genco
Waco, TX · Charter 8585 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
$494.7MAssets
$238.5MLoans
$421.9MShares
$70.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets in TX (rank 8 of 235).
- Widest gap: net interest margin trails 71% of credit unions under $1B in assets in TX (rank 168 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.95%
Rank 17 of 235
Net Interest Margin
3.41%
Rank 168 of 235
Efficiency Ratio
60.56%
Rank 21 of 235
Equity / Assets
14.26%
Rank 121 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.95% | 0.17% | 0.57% | 1.10% | Beats 93% | 17 / 235 | | |
| Return on Equity | 13.68% | 1.03% | 4.30% | 7.58% | Beats 97% | 8 / 235 | | |
| Net Interest Margin | 3.41% | 3.32% | 3.89% | 4.35% | Beats 29% | 168 / 235 | | |
| Efficiency Ratio | 60.56% | 70.60% | 82.00% | 91.57% | Beats 91% | 21 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.20% | 0.59% | 1.14% | Beats 76% | 58 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.26% | 11.30% | 14.41% | 19.49% | Beats 49% | 121 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.26% | 11.30% | 14.41% | 19.49% | Beats 49% | 121 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.54% | 54.18% | 67.38% | 81.66% | 29th pctl | 168 / 235 | | |
| Loans / Assets | 48.21% | 43.80% | 56.63% | 68.64% | 33rd pctl | 158 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |