Greater Texas Federal Credit Union
Total assets
$988.0M
▲ +3.7% YoY
Shares & deposits
$902.7M
▲ +4.1% YoY
Loans
$767.0M
▲ +1.5% YoY
Members
75,261
▼ -1.8% YoY
ROA (annualized)
0.45%
peers 0.62%
ROE (annualized)
6.31%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.8% | -1.0 pts |
| Share growth (YoY) | +4.1% | +4.3% | -0.2 pts |
| Loan growth (YoY) | +1.5% | +4.3% | -2.8 pts |
| ROA | 0.45% | 0.62% | -0.2 pts |
| ROE | 6.3% | 5.9% | +0.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 12544 Riata Vista Circle, Austin, TX, 78727
- NCUA charter #
- 7590
- RSSD ID
- 385284
- 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 | $988.0M | $902.7M | $767.0M | $70.1M | $1.1M | 0.45% | 3.30% | 0.61% | 75,261 |
| Q4 2025 | $980.0M | $892.6M | $752.3M | $68.9M | $4.8M | 0.49% | 3.27% | 0.60% | 75,495 |
| Q3 2025 | $957.3M | $868.5M | $749.2M | $67.5M | $3.4M | 0.48% | 3.30% | 0.65% | 75,501 |
| Q2 2025 | $955.5M | $870.5M | $753.0M | $63.4M | $-665K | -0.14% | 3.25% | 0.71% | 75,506 |
| Q1 2025 | $952.6M | $866.9M | $755.6M | $63.3M | $-1.1M | -0.45% | 3.17% | 0.80% | 76,630 |
| Q4 2024 | $935.6M | $849.9M | $747.0M | $64.4M | $-3.1M | -0.33% | 3.07% | 0.92% | 76,676 |
| Q3 2024 | $932.9M | $841.7M | $759.3M | $64.1M | $-3.4M | -0.48% | 3.02% | 0.85% | 80,480 |
| Q2 2024 | $942.2M | $851.8M | $766.1M | $64.9M | $-2.5M | -0.54% | 2.93% | 0.84% | 80,597 |
Loan mix (Q1 2026): real estate $332.3M · commercial $49.8M · consumer $380.8M · securities $55.8M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.62% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.48% | 38th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 78.3% | 58th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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