| Metric | Txdot Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +1.3% | +9.3 pts |
| Share growth (YoY) | +12.3% | +0.9% | +11.4 pts |
| Loan growth (YoY) | +3.3% | -2.6% | +5.9 pts |
| ROA | 0.96% | 0.65% | +0.3 pts |
| ROE | 5.6% | 4.4% | +1.2 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.2M | $15.0M | $14.4M | $3.1M | $87K | 0.96% | 3.96% | 0.54% | 1,883 |
| 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% |
| Ratio | Txdot Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,821 |
| Q2 2024 | $16.8M | $14.0M | $14.3M | $2.8M | $68K | 0.82% | 3.79% | 0.07% | 1,857 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $10.5M · securities $4K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 80.6% | 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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Taylor, TX, ranked 22nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Taylor, TX | 2 | $10.0M* | 0.17% | 22nd |
| Ector, TX | 1 | $5.0M* | 0.11% | 26th |
Texas: 762nd with 0.00% · Abilene metro: 25th, 0.16% · Odessa metro: 26th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3