| Metric | Texans Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +5.1% | +5.9 pts |
| Share growth (YoY) | +10.5% | +4.9% | +5.6 pts |
| Loan growth (YoY) | +9.7% | +5.4% | +4.2 pts |
| ROA | 0.87% | 0.71% | +0.2 pts |
| ROE | 8.1% | 6.3% | +1.9 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.61B | $2.32B | $1.78B | $278.3M | $5.7M | 0.87% | 2.99% | 0.62% | 152,742 |
| Q4 2025 | $2.47B | $2.19B | $1.70B | $267.3M | $24.1M | 0.98% | 3.12% | 0.68% | 140,077 |
| Q3 2025 | $2.39B | $2.13B | $1.69B | $261.6M | $18.0M | 1.00% | 3.21% | 0.45% | 137,855 |
| Q2 2025 | $2.34B | $2.08B | $1.66B | $255.6M | $12.0M | 1.02% | 3.26% | 0.36% | 134,786 |
| Q1 2025 | $2.35B | $2.10B | $1.63B | $249.3M | $5.7M | 0.96% | 3.17% | 0.36% | 133,802 |
| Q4 2024 | $2.24B | $2.01B | $1.56B | $243.6M | $20.9M | 0.93% | 2.81% | 0.44% | 130,320 |
| Q3 2024 | $2.22B | $1.99B | $1.52B | $238.0M | $14.9M | 0.89% | 2.75% | 0.38% | 127,832 |
| Q2 2024 | $2.21B | $1.99B | $1.48B | $233.3M | $10.2M | 0.92% | 2.70% |
| Ratio | Texans Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.71% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.3% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 125,065 |
Loan mix (Q1 2026): real estate $541.8M · commercial $473K · consumer $1.23B · securities $449.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 73.0% | 34th |
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 | Texans 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 | Texans 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 | Texans 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 | Texans 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.