Texas Dow Employees Credit Union
Total assets
$5.10B
▲ +6.5% YoY
Shares & deposits
$4.12B
▲ +2.7% YoY
Loans
$4.38B
▲ +4.7% YoY
Members
400,093
▲ +4.0% YoY
ROA (annualized)
0.43%
peers 0.71%
ROE (annualized)
4.31%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.1% | +1.4 pts |
| Share growth (YoY) | +2.7% | +4.9% | -2.1 pts |
| Loan growth (YoY) | +4.7% | +5.4% | -0.7 pts |
| ROA | 0.43% | 0.71% | -0.3 pts |
| ROE | 4.3% | 6.3% | -2.0 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 2000 Post Oak Blvd, Ste 2100, Houston, TX, 77056
- NCUA charter #
- 60705
- RSSD ID
- 434593
- 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 | $5.10B | $4.12B | $4.38B | $503.0M | $5.4M | 0.43% | 4.17% | 1.50% | 400,093 |
| Q4 2025 | $5.04B | $3.98B | $4.42B | $497.6M | $17.9M | 0.35% | 4.09% | 2.21% | 397,272 |
| Q3 2025 | $4.90B | $3.94B | $4.39B | $502.2M | $19.5M | 0.53% | 4.11% | 2.56% | 392,797 |
| Q2 2025 | $4.87B | $4.05B | $4.36B | $492.4M | $9.7M | 0.40% | 4.01% | 2.85% | 399,650 |
| Q1 2025 | $4.79B | $4.01B | $4.18B | $474.8M | $-35K | -0.00% | 3.99% | 2.01% | 384,558 |
| Q4 2024 | $4.77B | $4.00B | $4.20B | $479.8M | $11.6M | 0.24% | 4.07% | 2.57% | 381,422 |
| Q3 2024 | $4.84B | $4.00B | $4.14B | $481.4M | $11.0M | 0.30% | 4.03% | 2.15% | 379,058 |
| Q2 2024 | $4.80B | $3.95B | $4.16B | $480.1M | $9.7M | 0.41% | 4.07% | 1.80% | 376,092 |
Loan mix (Q1 2026): real estate $2.22B · commercial $307.4M · consumer $1.58B · securities $75.4M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.71% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 6.3% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.32% | 93th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 73.0% | 69th | |
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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