Swemp

TEXARKANA, TX · 1 · Charter #5325 · www.swempfcu.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
$11.8M
46th percentile
Members
989
36th percentile
Total loans
$9.2M
63th percentile
Total shares
$9.3M
45th percentile

Profitability

Return on assets
1.13%
65th percentile
Net interest margin
3.38%
30th percentile
Efficiency ratio
43.74%
90th percentile
Non-interest income ratio
1.41%
16th percentile

Capital & Risk

Net worth ratio
20.99%
77th percentile
Delinquency rate
0.94%
43th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
98.09%
93th percentile

Growth

Member growth YoY
-0.90%
56th percentile
Asset growth YoY
2.97%
63th percentile
Loan growth YoY
-0.11%
62th percentile
Share growth YoY
2.60%
62th percentile

Operations

Members / branch
989
46th percentile
Assets / member
$11,980
71th percentile
Field of membership penetration
97.92%
98th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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