| Metric | Txdot Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +1.3% | +6.4 pts |
| Share growth (YoY) | +7.1% | +0.7% | +6.5 pts |
| Loan growth (YoY) | +4.6% | -2.4% | +7.0 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 5.1% | 4.1% | +1.0 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 | $17.6M | $14.4M | $14.3M | $3.1M | $40K | 0.90% | 4.09% | 0.07% | 1,875 |
| Q4 2025 | $17.0M | $13.9M | $14.5M | $3.0M | $208K | 1.23% | 4.00% | 0.45% | 1,865 |
| Q3 2025 | $16.7M | $13.6M | $14.3M | $3.0M | $138K | 1.10% | 4.13% | 0.27% | 1,849 |
| Q2 2025 | $16.5M | $13.4M | $13.9M | $2.9M | $68K | 0.83% | 4.02% | 0.16% | 1,831 |
| Q1 2025 | $16.4M | $13.5M | $13.7M | $2.9M | $39K | 0.95% | 3.91% | 0.34% | 1,831 |
| Q4 2024 | $16.6M | $13.6M | $13.8M | $2.8M | $154K | 0.93% | 3.79% | 0.51% | 1,832 |
| Q3 2024 | $17.1M | $14.2M | $13.8M | $2.8M | $117K | 0.92% | 3.72% | 0.05% | 1,821 |
| Q2 2024 | $16.8M | $14.0M | $14.3M | $2.8M | $68K | 0.82% | 3.79% | 0.07% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Txdot Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,857 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $10.4M · securities $4K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 81.5% | 24th |
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 | Txdot 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 | Txdot 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 | Txdot 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 | Txdot 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% |
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