| Metric | Eastex Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.1% | +3.2 pts |
| Share growth (YoY) | +6.7% | +3.5% | +3.2 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.2 pts |
| ROA | 1.10% | 0.74% | +0.4 pts |
| ROE | 9.5% | 6.5% | +3.0 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $131.7M | $115.6M | $65.6M | $15.2M | $723K | 1.10% | 3.88% | 0.16% | 11,410 |
| Q1 2026 | $132.6M | $117.1M | $63.3M | $14.8M | $347K | 1.05% | 3.79% | 0.24% | 11,387 |
| Q4 2025 | $126.2M | $110.9M | $64.3M | $14.5M | $1.4M | 1.07% | 3.89% | 0.12% | 11,434 |
| Q3 2025 | $122.7M | $108.0M | $63.2M | $14.0M | $869K | 0.94% | 3.94% | 0.18% | 11,407 |
| Q2 2025 | $122.8M | $108.4M | $63.9M | $13.6M | $456K | 0.74% | 3.86% | 0.14% | 11,388 |
| Q1 2025 | $122.6M | $108.9M | $64.4M | $13.1M | $-14K | -0.04% | 3.80% | 0.29% | 11,373 |
| Q4 2024 | $118.5M | $104.3M | $66.2M | $13.2M | $749K | 0.63% | 3.44% | 0.22% | 11,099 |
| Q3 2024 | $116.3M | $102.9M | $67.3M | $12.6M | $145K | 0.17% | 3.36% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Eastex Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.74% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 6.5% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 11,064 |
| Q2 2024 | $117.9M | $104.5M | $68.2M | $12.6M | $115K | 0.20% | 3.22% | 0.12% | 11,028 |
Loan mix (Q2 2026): real estate $4.8M · commercial $0 · consumer $44.0M · securities $54.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 77.5% | 46th |
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% |
| Ratio | Eastex 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% |
| Ratio | Eastex Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Eastex 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% |
| Ratio | Eastex 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% |
| Ratio | Eastex 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% |
The full ratio pack is part of CharterBench Pro.
5 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Jasper, TX, ranked 8th with 6.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jasper, TX | 2 | $46.3M* | 6.44% | 8th |
| Hardin, TX | 2 | $46.3M* | 4.13% | 10th |
| Tyler, TX | 1 | $23.1M* | 5.31% | 7th |
Texas: 502nd with 0.01% · Beaumont-Port Arthur metro: 25th, 0.38% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 5 · 2024 5 · 2025 5 · 2026 5