Greater Central Texas

KILLEEN, TX · 1 · Charter #11995 · www.gctfcu.net
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
$33.9M
83th percentile
Members
2,087
67th percentile
Total loans
$8.3M
59th percentile
Total shares
$30.2M
85th percentile

Profitability

Return on assets
0.91%
55th percentile
Net interest margin
3.81%
44th percentile
Efficiency ratio
74.47%
34th percentile
Non-interest income ratio
8.09%
45th percentile

Capital & Risk

Net worth ratio
10.96%
22th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.45%
35th percentile
Loan-to-share
27.46%
10th percentile

Growth

Member growth YoY
-3.47%
29th percentile
Asset growth YoY
5.69%
78th percentile
Loan growth YoY
-14.57%
12th percentile
Share growth YoY
5.29%
77th percentile

Operations

Members / branch
2,087
79th percentile
Assets / member
$16,267
89th percentile
Field of membership penetration
1.39%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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