Texarkana Terminal Employees

TEXARKANA, TX · 1 · Charter #5822 · WWW.TEXARKANATERMINALFCU.COM
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
$10.4M
42th percentile
Members
1,271
45th percentile
Total loans
$7.4M
56th percentile
Total shares
$9.0M
44th percentile

Profitability

Return on assets
0.77%
49th percentile
Net interest margin
6.34%
96th percentile
Efficiency ratio
77.47%
29th percentile
Non-interest income ratio
10.24%
53th percentile

Capital & Risk

Net worth ratio
9.96%
15th percentile
Delinquency rate
0.71%
50th percentile
Net charge-off rate
0.04%
68th percentile
Loan-to-share
82.18%
79th percentile

Growth

Member growth YoY
-1.17%
53th percentile
Asset growth YoY
-9.77%
5th percentile
Loan growth YoY
-5.60%
38th percentile
Share growth YoY
-13.97%
4th percentile

Operations

Members / branch
636
30th percentile
Assets / member
$8,185
41th percentile
Field of membership penetration
50.84%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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