Refugio County

Refugio, TX · 1 · Charter #12365 · www.refugiocountyfcu.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
$14.0M
51th percentile
Members
1,127
40th percentile
Total loans
$5.1M
45th percentile
Total shares
$11.6M
51th percentile

Profitability

Return on assets
0.32%
28th percentile
Net interest margin
2.81%
15th percentile
Efficiency ratio
56.75%
72th percentile
Non-interest income ratio
7.87%
45th percentile

Capital & Risk

Net worth ratio
16.59%
59th percentile
Delinquency rate
0.07%
80th percentile
Net charge-off rate
0.41%
38th percentile
Loan-to-share
44.36%
27th percentile

Growth

Member growth YoY
-1.57%
48th percentile
Asset growth YoY
11.24%
93th percentile
Loan growth YoY
5.33%
80th percentile
Share growth YoY
13.11%
95th percentile

Operations

Members / branch
1,127
51th percentile
Assets / member
$12,380
73th percentile
Field of membership penetration
37.57%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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