Odessa Employees

Odessa, TX · 2 · Charter #67534 · www.odessaecu.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
$20.2M
62th percentile
Members
1,356
48th percentile
Total loans
$10.4M
67th percentile
Total shares
$16.8M
62th percentile

Profitability

Return on assets
0.95%
57th percentile
Net interest margin
4.17%
58th percentile
Efficiency ratio
78.05%
27th percentile
Non-interest income ratio
14.23%
66th percentile

Capital & Risk

Net worth ratio
16.41%
59th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.04%
70th percentile
Loan-to-share
62.00%
52th percentile

Growth

Member growth YoY
0.07%
68th percentile
Asset growth YoY
2.74%
60th percentile
Loan growth YoY
10.46%
90th percentile
Share growth YoY
1.96%
58th percentile

Operations

Members / branch
678
32th percentile
Assets / member
$14,913
85th percentile
Field of membership penetration
58.96%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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