Friona Texas
Friona, TX · Charter 9843 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$14.1MAssets
$4.7MLoans
$12.0MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 52% of credit unions under $1B in assets in TX (rank 112 of 235).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets in TX (rank 234 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-3.03%
Rank 233 of 235
Net Interest Margin
2.28%
Rank 232 of 235
Efficiency Ratio
127.59%
Rank 234 of 235
Equity / Assets
14.71%
Rank 112 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -3.03% | 0.17% | 0.57% | 1.10% | Beats 1% | 233 / 235 | |
| Return on Equity | -20.58% | 1.03% | 4.30% | 7.58% | Beats 1% | 233 / 235 | |
| Net Interest Margin | 2.28% | 3.32% | 3.89% | 4.35% | Beats 1% | 232 / 235 | |
| Efficiency Ratio | 127.59% | 70.60% | 82.00% | 91.57% | Beats 1% | 234 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 12.39% | 0.20% | 0.59% | 1.14% | Beats 1% | 234 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.71% | 11.30% | 14.41% | 19.49% | Beats 52% | 112 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.71% | 11.30% | 14.41% | 19.49% | Beats 52% | 112 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 39.18% | 54.18% | 67.38% | 81.66% | 8th pctl | 216 / 235 | |
| Loans / Assets | 33.26% | 43.80% | 56.63% | 68.64% | 11th pctl | 209 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |