Texas Bay

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$890.7M

93^th percentile

Members

60,529

95^th percentile

Total loans

$682.4M

95^th percentile

Total shares

$736.4M

93^th percentile

Profitability

Return on assets

1.26%

69^th percentile

Net interest margin

3.67%

65^th percentile

Efficiency ratio

52.83%

73^th percentile

Non-interest income ratio

25.88%

83^th percentile

Capital & Risk

Net worth ratio

7.72%

4^th percentile

Delinquency rate

0.67%

55^th percentile

Net charge-off rate

1.28%

6^th percentile

Loan-to-share

92.67%

80^th percentile

Growth

Member growth YoY

3.81%

82^th percentile

Asset growth YoY

4.27%

43^th percentile

Loan growth YoY

11.11%

85^th percentile

Share growth YoY

5.49%

58^th percentile

Operations

Members / branch

6,725

79^th percentile

Assets / member

$14,716

37^th percentile

Field of membership penetration

2.52%

33^th percentile

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