Cen Tex Manufacturing

Brownwood, TX · 2 · Charter #67602 · www.centexmfgcu.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
$15.6M
54th percentile
Members
1,281
46th percentile
Total loans
$9.1M
62th percentile
Total shares
$12.3M
53th percentile

Profitability

Return on assets
1.71%
85th percentile
Net interest margin
4.57%
71th percentile
Efficiency ratio
58.47%
68th percentile
Non-interest income ratio
13.58%
65th percentile

Capital & Risk

Net worth ratio
21.08%
78th percentile
Delinquency rate
1.41%
32th percentile
Net charge-off rate
0.76%
23th percentile
Loan-to-share
73.92%
68th percentile

Growth

Member growth YoY
-6.22%
12th percentile
Asset growth YoY
11.28%
93th percentile
Loan growth YoY
-5.62%
38th percentile
Share growth YoY
12.75%
94th percentile

Operations

Members / branch
641
30th percentile
Assets / member
$12,167
72th percentile
Field of membership penetration
85.40%
94th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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