Friona Texas

Friona, TX · 1 · Charter #9843 · www.frionacu.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
$15.0M
53th percentile
Members
1,653
56th percentile
Total loans
$4.9M
43th percentile
Total shares
$12.1M
53th percentile

Profitability

Return on assets
-2.69%
3th percentile
Net interest margin
2.91%
17th percentile
Efficiency ratio
94.20%
9th percentile
Non-interest income ratio
13.36%
64th percentile

Capital & Risk

Net worth ratio
18.69%
69th percentile
Delinquency rate
11.20%
2th percentile
Net charge-off rate
7.04%
1th percentile
Loan-to-share
40.47%
22th percentile

Growth

Member growth YoY
0.49%
73th percentile
Asset growth YoY
3.67%
66th percentile
Loan growth YoY
-20.73%
6th percentile
Share growth YoY
1.75%
57th percentile

Operations

Members / branch
827
39th percentile
Assets / member
$9,075
48th percentile
Field of membership penetration
17.19%
30th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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