United Texas
San Antonio, TX · Charter 97107 · Peer group: credit unions under $1B in assets in TX (n=239)
NCUA · 6 branches
Q4 2025
$423.9MAssets
$291.7MLoans
$386.3MShares
$40.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 60% of credit unions under $1B in assets in TX (rank 95 of 239).
- Widest gap: net interest margin trails 91% of credit unions under $1B in assets in TX (rank 217 of 239).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.57%
Rank 133 of 239
Net Interest Margin
2.86%
Rank 217 of 239
Efficiency Ratio
83.40%
Rank 143 of 239
Equity / Assets
9.58%
Rank 212 of 239
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.57% | 0.17% | 0.66% | 1.12% | Beats 44% | 133 / 239 | |
| Return on Equity | 5.95% | 1.36% | 4.35% | 8.03% | Beats 60% | 95 / 239 | |
| Net Interest Margin | 2.86% | 3.30% | 3.85% | 4.42% | Beats 9% | 217 / 239 | |
| Efficiency Ratio | 83.40% | 70.49% | 79.96% | 89.30% | Beats 41% | 143 / 239 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.31% | 0.68% | 1.36% | Beats 41% | 141 / 239 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.58% | 11.14% | 14.17% | 19.45% | Beats 11% | 212 / 239 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.58% | 11.14% | 14.17% | 19.46% | Beats 11% | 212 / 239 | |
| Liquidity & Funding |
| Loans / Deposits | 75.50% | 56.30% | 70.17% | 82.36% | 61st pctl | 94 / 239 | |
| Loans / Assets | 68.80% | 46.49% | 58.65% | 69.60% | 72nd pctl | 66 / 239 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |