| Metric | Texas Dps Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.6 pts |
| Loan growth (YoY) | +2.5% | -2.4% | +4.8 pts |
| ROA | 0.73% | 0.60% | +0.1 pts |
| ROE | 6.0% | 4.1% | +1.9 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $99.9M | $87.0M | $57.2M | $12.1M | $183K | 0.73% | 3.95% | 0.45% | 5,762 |
| Q4 2025 | $98.7M | $86.3M | $57.5M | $11.9M | $1.1M | 1.11% | 4.02% | 0.90% | 5,763 |
| Q3 2025 | $99.6M | $87.5M | $57.4M | $11.7M | $782K | 1.05% | 3.94% | 0.71% | 5,735 |
| Q2 2025 | $98.2M | $86.3M | $56.3M | $11.4M | $498K | 1.01% | 3.94% | 0.17% | 5,695 |
| Q1 2025 | $98.7M | $86.9M | $55.8M | $11.1M | $232K | 0.94% | 3.86% | 0.18% | 5,800 |
| Q4 2024 | $98.2M | $86.6M | $56.7M | $10.9M | $735K | 0.75% | 3.69% | 0.35% | 5,772 |
| Q3 2024 | $95.3M | $84.7M | $57.9M | $10.6M | $436K | 0.61% | 3.75% | 0.89% | 5,740 |
| Q2 2024 | $94.6M | $84.0M | $59.2M | $10.5M | $298K | 0.63% | 3.75% | 0.81% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Texas Dps Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,720 |
Loan mix (Q1 2026): real estate $22.2M · commercial $0 · consumer $31.4M · securities $27.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 81.5% | 44th |
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 | Texas Dps 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 | Texas Dps 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 | Texas Dps 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 | Texas Dps 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.