Wright Patman Congressional
Washington, DC · Charter 8797 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
$1.3BAssets
$805.1MLoans
$1.1BShares
$142.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 54% of credit unions $1B-$10B in assets (rank 198 of 435).
- Widest gap: nonperforming loans / loans trails 92% of credit unions $1B-$10B in assets (rank 402 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.80%
Rank 222 of 435
Net Interest Margin
3.37%
Rank 225 of 435
Efficiency Ratio
77.89%
Rank 328 of 435
Equity / Assets
11.04%
Rank 198 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.55% | 0.81% | 1.14% | Beats 49% | 222 / 435 | | |
| Return on Equity | 7.24% | 5.12% | 7.41% | 9.70% | Beats 48% | 225 / 435 | | |
| Net Interest Margin | 3.37% | 3.01% | 3.39% | 3.75% | Beats 48% | 225 / 435 | | |
| Efficiency Ratio | 77.89% | 65.25% | 71.39% | 77.86% | Beats 25% | 328 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.62% | 0.45% | 0.69% | 1.05% | Beats 8% | 402 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.04% | 9.81% | 10.84% | 12.63% | Beats 54% | 198 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.04% | 9.81% | 10.84% | 12.63% | Beats 54% | 198 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.29% | 78.33% | 88.38% | 95.61% | 14th pctl | 374 / 435 | | |
| Loans / Assets | 62.40% | 67.69% | 74.58% | 80.80% | 16th pctl | 366 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |