| Metric | Skel-Tex Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +3.4% | +0.9% | +2.5 pts |
| Loan growth (YoY) | -10.6% | -2.6% | -7.9 pts |
| ROA | 0.54% | 0.65% | -0.1 pts |
| ROE | 2.5% | 4.4% | -1.9 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.2M | $4.8M | $2.7M | $1.3M | $17K | 0.54% | 3.24% | 0.64% | 537 |
| Q1 2026 | $6.2M | $4.9M | $2.7M | $1.3M | $5K | 0.33% | 3.20% | 0.70% | 544 |
| Q4 2025 | $6.2M | $4.9M | $3.0M | $1.3M | $56K | 0.90% | 3.24% | 0.73% | 544 |
| Q3 2025 | $6.0M | $4.7M | $3.2M | $1.3M | $38K | 0.85% | 3.30% | 1.23% | 543 |
| Q2 2025 | $6.0M | $4.7M | $3.0M | $1.3M | $18K | 0.59% | 3.24% | 1.91% | 543 |
| Q1 2025 | $5.9M | $4.7M | $3.2M | $1.3M | $7K | 0.47% | 3.17% | 1.52% | 547 |
| Q4 2024 | $5.8M | $4.6M | $3.2M | $1.3M | $4K | 0.07% | 2.78% | 1.56% | 547 |
| Q3 2024 | $5.8M | $4.5M | $3.2M | $1.2M | $-3K | -0.07% | 2.70% | 1.70% | 547 |
| Ratio | Skel-Tex Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.9M |
| $4.6M |
| $3.2M |
| $1.2M |
| $-4 |
| -0.00% |
| 2.57% |
| 0.59% |
| 547 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 80.6% | 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% |
| Ratio | Skel-Tex 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 | Skel-Tex 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 | Skel-Tex 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 | Skel-Tex 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 | Skel-Tex 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.
3 branches in 2 counties across 1 state (+2 vs 2025). Biggest market: Carson, TX, ranked 3rd with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Carson, TX | 2 | $3.2M* | 1.85% | 3rd |
| Gray, TX | 1 | $1.6M* | 0.24% | 13th |
Texas: 849th with 0.00% · Amarillo metro: 31st, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3