Texas Health

AUSTIN, TX · 2 · Charter #67452 · www.thcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$144.4M
70th percentile
Members
4,834
23th percentile
Total loans
$75.8M
62th percentile
Total shares
$127.1M
72th percentile

Profitability

Return on assets
1.53%
78th percentile
Net interest margin
3.61%
47th percentile
Efficiency ratio
47.58%
86th percentile
Non-interest income ratio
6.79%
7th percentile

Capital & Risk

Net worth ratio
12.51%
54th percentile
Delinquency rate
2.25%
8th percentile
Net charge-off rate
1.00%
11th percentile
Loan-to-share
59.65%
35th percentile

Growth

Member growth YoY
-1.93%
34th percentile
Asset growth YoY
8.55%
83th percentile
Loan growth YoY
-9.55%
6th percentile
Share growth YoY
9.03%
85th percentile

Operations

Members / branch
4,834
81th percentile
Assets / member
$29,865
96th percentile
Field of membership penetration
0.32%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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