| Metric | Texell Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.8% | -1.9 pts |
| Share growth (YoY) | +2.1% | +4.3% | -2.1 pts |
| Loan growth (YoY) | +4.5% | +4.3% | +0.2 pts |
| ROA | 1.40% | 0.62% | +0.8 pts |
| ROE | 13.5% | 5.9% | +7.5 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $790.7M | $693.7M | $618.2M | $82.0M | $2.8M | 1.40% | 4.02% | 0.51% | 54,334 |
| Q4 2025 | $773.5M | $678.7M | $618.8M | $79.3M | $8.0M | 1.04% | 3.93% | 0.47% | 54,171 |
| Q3 2025 | $771.2M | $677.5M | $597.9M | $77.8M | $6.6M | 1.14% | 3.91% | 0.47% | 53,927 |
| Q2 2025 | $765.9M | $673.6M | $600.4M | $74.6M | $3.4M | 0.89% | 3.86% | 0.61% | 53,565 |
| Q1 2025 | $768.8M | $679.1M | $591.5M | $72.7M | $862K | 0.45% | 3.77% | 0.49% | 53,613 |
| Q4 2024 | $751.9M | $663.7M | $595.5M | $71.9M | $4.8M | 0.64% | 3.53% | 0.57% | 52,998 |
| Q3 2024 | $752.7M | $665.7M | $600.5M | $70.8M | $3.7M | 0.66% | 3.43% | 1.21% | 52,535 |
| Q2 2024 | $727.4M | $639.6M | $594.0M | $69.6M | $2.6M | 0.71% | 3.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Texell Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.62% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 51,503 |
Loan mix (Q1 2026): real estate $162.9M · commercial $108.4M · consumer $318.3M · securities $56.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 78.3% | 18th |
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 | Texell 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 | Texell 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 | Texell 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 | Texell 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.