Texas Community

KINGSVILLE, TX · 1 · Charter #1879 · www.texasfcu.org
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
$30.5M
78th percentile
Members
2,841
82th percentile
Total loans
$20.1M
89th percentile
Total shares
$23.0M
73th percentile

Profitability

Return on assets
1.79%
87th percentile
Net interest margin
5.13%
85th percentile
Efficiency ratio
58.80%
67th percentile
Non-interest income ratio
21.12%
84th percentile

Capital & Risk

Net worth ratio
13.69%
42th percentile
Delinquency rate
2.96%
16th percentile
Net charge-off rate
1.13%
14th percentile
Loan-to-share
87.27%
85th percentile

Growth

Member growth YoY
1.14%
78th percentile
Asset growth YoY
14.14%
96th percentile
Loan growth YoY
10.63%
90th percentile
Share growth YoY
16.17%
97th percentile

Operations

Members / branch
1,421
62th percentile
Assets / member
$10,731
62th percentile
Field of membership penetration
3.60%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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