South Texas

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$67.6M

19^th percentile

Members

6,199

37^th percentile

Total loans

$21.3M

4^th percentile

Total shares

$62.2M

25^th percentile

Profitability

Return on assets

0.73%

30^th percentile

Net interest margin

3.69%

52^th percentile

Efficiency ratio

79.81%

7^th percentile

Non-interest income ratio

21.67%

72^th percentile

Capital & Risk

Net worth ratio

8.56%

7^th percentile

Delinquency rate

1.31%

22^th percentile

Net charge-off rate

1.52%

5^th percentile

Loan-to-share

34.24%

5^th percentile

Growth

Member growth YoY

-19.75%

0^th percentile

Asset growth YoY

9.99%

88^th percentile

Loan growth YoY

-31.05%

0^th percentile

Share growth YoY

9.19%

86^th percentile

Operations

Members / branch

2,066

23^th percentile

Assets / member

$10,909

20^th percentile

Field of membership penetration

4.36%

42^th percentile

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