Txdot

Abilene, TX · 2 · Charter #67439 · www.txdotcu.com
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
$17.0M
57th percentile
Members
1,865
62th percentile
Total loans
$14.5M
77th percentile
Total shares
$12.6M
54th percentile

Profitability

Return on assets
1.62%
83th percentile
Net interest margin
4.00%
51th percentile
Efficiency ratio
49.10%
84th percentile
Non-interest income ratio
6.47%
39th percentile

Capital & Risk

Net worth ratio
17.95%
66th percentile
Delinquency rate
0.45%
60th percentile
Net charge-off rate
0.45%
35th percentile
Loan-to-share
115.00%
97th percentile

Growth

Member growth YoY
1.80%
82th percentile
Asset growth YoY
2.50%
59th percentile
Loan growth YoY
5.45%
80th percentile
Share growth YoY
-4.01%
25th percentile

Operations

Members / branch
622
29th percentile
Assets / member
$9,099
48th percentile
Field of membership penetration
37.30%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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