Randolph-Brooks Federal Credit Union
Total assets
$19.19B
▲ +3.7% YoY
Shares & deposits
$15.51B
▲ +5.2% YoY
Loans
$12.73B
▲ +2.3% YoY
Members
1,148,891
▼ -3.5% YoY
ROA (annualized)
1.02%
peers 0.77%
ROE (annualized)
7.75%
peers 7.68%
Peer comparison 24 credit unions with 10B+ in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +7.0% | -3.3 pts |
| Share growth (YoY) | +5.2% | +6.8% | -1.6 pts |
| Loan growth (YoY) | +2.3% | +6.8% | -4.5 pts |
| ROA | 1.02% | 0.77% | +0.3 pts |
| ROE | 7.7% | 7.7% | +0.1 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 2097, Universal City, TX, 78148
- NCUA charter #
- 8111
- RSSD ID
- 491381
- 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 | $19.19B | $15.51B | $12.73B | $2.53B | $49.0M | 1.02% | 3.36% | 1.00% | 1,148,891 |
| Q4 2025 | $19.20B | $15.19B | $12.81B | $2.49B | $267.6M | 1.39% | 3.10% | 1.05% | 1,137,444 |
| Q3 2025 | $18.91B | $14.92B | $12.71B | $2.44B | $210.2M | 1.48% | 3.10% | 0.89% | 1,184,741 |
| Q2 2025 | $18.70B | $14.82B | $12.67B | $2.36B | $135.1M | 1.44% | 3.07% | 0.96% | 1,184,660 |
| Q1 2025 | $18.50B | $14.75B | $12.44B | $2.28B | $53.2M | 1.15% | 3.01% | 0.71% | 1,190,545 |
| Q4 2024 | $17.96B | $14.31B | $12.38B | $2.24B | $243.6M | 1.36% | 2.89% | 0.90% | 1,173,479 |
| Q3 2024 | $17.55B | $14.11B | $12.27B | $2.19B | $191.8M | 1.46% | 2.90% | 0.80% | 1,158,867 |
| Q2 2024 | $17.68B | $14.02B | $12.21B | $2.12B | $126.7M | 1.43% | 2.83% | 0.81% | 1,139,851 |
Loan mix (Q1 2026): real estate $6.55B · commercial $957.1M · consumer $4.48B · securities $5.05B
Ratio pack Q1 2026 · peer medians from 24 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.77% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 7.7% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.08% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 62.8% | 48th | |
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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