Datcu Credit Union
Total assets
$1.77B
▲ +5.9% YoY
Shares & deposits
$1.46B
▲ +5.2% YoY
Loans
$1.52B
▲ +6.9% YoY
Members
112,942
▲ +2.7% YoY
ROA (annualized)
1.47%
peers 0.71%
ROE (annualized)
8.63%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Datcu Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Share growth (YoY) | +5.2% | +4.9% | +0.3 pts |
| Loan growth (YoY) | +6.9% | +5.4% | +1.5 pts |
| ROA | 1.47% | 0.71% | +0.8 pts |
| ROE | 8.6% | 6.3% | +2.4 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 827, Denton, TX, 76202
- NCUA charter #
- 67535
- RSSD ID
- 972394
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.77B | $1.46B | $1.52B | $302.0M | $6.5M | 1.47% | 4.04% | 0.16% | 112,942 |
| Q4 2025 | $1.75B | $1.44B | $1.49B | $295.5M | $26.5M | 1.51% | 3.93% | 0.17% | 111,860 |
| Q3 2025 | $1.74B | $1.44B | $1.45B | $288.7M | $19.7M | 1.51% | 3.86% | 0.10% | 111,016 |
| Q2 2025 | $1.72B | $1.43B | $1.44B | $281.4M | $12.4M | 1.44% | 3.83% | 0.07% | 110,140 |
| Q1 2025 | $1.67B | $1.39B | $1.42B | $277.0M | $5.4M | 1.29% | 3.82% | 0.11% | 109,966 |
| Q4 2024 | $1.63B | $1.34B | $1.43B | $271.6M | $21.4M | 1.31% | 3.75% | 0.15% | 109,642 |
| Q3 2024 | $1.61B | $1.34B | $1.33B | $267.5M | $17.2M | 1.43% | 3.70% | 0.17% | 107,568 |
| Q2 2024 | $1.61B | $1.34B | $1.34B | $259.8M | $9.5M | 1.19% | 3.65% | 0.14% | 107,229 |
Loan mix (Q1 2026): real estate $333.1M · commercial $0 · consumer $920.2M · securities $35.7M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Datcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 0.71% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 6.3% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.32% | 91th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 73.0% | 5th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Datcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Datcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Datcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Datcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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