Peco

Mineral Wells, TX · 1 · Charter #11761
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.6M
19th percentile
Members
766
28th percentile
Total loans
$2.4M
26th percentile
Total shares
$3.0M
20th percentile

Profitability

Return on assets
1.53%
79th percentile
Net interest margin
6.15%
96th percentile
Efficiency ratio
69.11%
44th percentile
Non-interest income ratio
0.62%
11th percentile

Capital & Risk

Net worth ratio
15.60%
54th percentile
Delinquency rate
1.51%
31th percentile
Net charge-off rate
0.44%
36th percentile
Loan-to-share
78.64%
75th percentile

Growth

Member growth YoY
-6.70%
11th percentile
Asset growth YoY
-10.07%
5th percentile
Loan growth YoY
0.97%
66th percentile
Share growth YoY
-12.62%
5th percentile

Operations

Members / branch
766
36th percentile
Assets / member
$4,708
15th percentile
Field of membership penetration
63.05%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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