Texasgulf

Wharton, TX · 1 · Charter #2322 · www.texasgulffcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$215.5M
93th percentile
Members
14,893
90th percentile
Total loans
$136.3M
92th percentile
Total shares
$183.8M
92th percentile

Profitability

Return on assets
1.27%
66th percentile
Net interest margin
3.04%
19th percentile
Efficiency ratio
42.62%
93th percentile
Non-interest income ratio
9.56%
14th percentile

Capital & Risk

Net worth ratio
14.16%
71th percentile
Delinquency rate
0.62%
56th percentile
Net charge-off rate
0.20%
66th percentile
Loan-to-share
74.18%
62th percentile

Growth

Member growth YoY
1.45%
74th percentile
Asset growth YoY
4.77%
58th percentile
Loan growth YoY
9.01%
84th percentile
Share growth YoY
2.44%
41th percentile

Operations

Members / branch
7,447
95th percentile
Assets / member
$14,473
50th percentile
Field of membership penetration
6.21%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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