Texas Dow Employees

Houston, TX · 2 · Charter #60705 · www.tdecu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$5.0B
85th percentile
Members
397,272
93th percentile
Total loans
$4.4B
90th percentile
Total shares
$4.0B
84th percentile

Profitability

Return on assets
1.23%
67th percentile
Net interest margin
4.09%
93th percentile
Efficiency ratio
58.69%
22th percentile
Non-interest income ratio
23.15%
79th percentile

Capital & Risk

Net worth ratio
9.87%
29th percentile
Delinquency rate
2.21%
3th percentile
Net charge-off rate
1.01%
13th percentile
Loan-to-share
111.06%
95th percentile

Growth

Member growth YoY
4.16%
68th percentile
Asset growth YoY
5.61%
51th percentile
Loan growth YoY
5.28%
52th percentile
Share growth YoY
-0.12%
11th percentile

Operations

Members / branch
12,039
85th percentile
Assets / member
$12,690
6th percentile
Field of membership penetration
1.26%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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