Union Square Credit Union
Total assets
$599.4M
▼ -0.9% YoY
Shares & deposits
$549.3M
▼ -1.3% YoY
Loans
$437.2M
▼ -5.5% YoY
Members
35,371
▼ -3.6% YoY
ROA (annualized)
0.15%
peers 0.62%
ROE (annualized)
1.83%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.8% | -5.7 pts |
| Share growth (YoY) | -1.3% | +4.3% | -5.6 pts |
| Loan growth (YoY) | -5.5% | +4.3% | -9.9 pts |
| ROA | 0.15% | 0.62% | -0.5 pts |
| ROE | 1.8% | 5.9% | -4.1 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1401 Holliday, Wichita Falls, TX, 76301
- NCUA charter #
- 68664
- RSSD ID
- 667382
- 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 | $599.4M | $549.3M | $437.2M | $49.4M | $226K | 0.15% | 3.61% | 2.64% | 35,371 |
| Q4 2025 | $597.5M | $546.3M | $432.4M | $49.9M | $1.0M | 0.18% | 3.74% | 1.67% | 35,361 |
| Q3 2025 | $604.9M | $554.2M | $436.4M | $49.2M | $353K | 0.08% | 3.65% | 1.11% | 35,601 |
| Q2 2025 | $613.5M | $564.6M | $447.8M | $48.4M | $-419K | -0.14% | 3.54% | 0.98% | 35,852 |
| Q1 2025 | $604.9M | $556.4M | $462.8M | $48.1M | $-700K | -0.46% | 3.52% | 0.70% | 36,699 |
| Q4 2024 | $590.1M | $541.4M | $472.6M | $49.5M | $-3.1M | -0.52% | 3.40% | 0.95% | 36,595 |
| Q3 2024 | $618.8M | $541.1M | $481.2M | $50.8M | $-1.7M | -0.38% | 3.20% | 0.65% | 36,603 |
| Q2 2024 | $626.8M | $548.6M | $502.3M | $50.6M | $-2.0M | -0.63% | 3.07% | 0.74% | 36,671 |
Loan mix (Q1 2026): real estate $233.0M · commercial $54.2M · consumer $140.6M · securities $73.9M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.62% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.48% | 63th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 78.3% | 68th | |
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.
Similar credit unions
- City Credit UnionDallas, TX · $630.5M
- Resource One Credit UnionDallas, TX · $654.0M
- Abilene Teachers Federal Credit UnionAbilene, TX · $681.6M
- Members Choice Credit UnionHouston, TX · $728.0M
- Primeway Federal Credit UnionHouston, TX · $731.8M
- Generations Community Federal Credit UnionSan Antonio, TX · $750.4M
Selling to Union Square Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.