Texas Tech

Lubbock, TX · 1 · Charter #12858 · www.texastechfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$442.2M
50th percentile
Members
35,971
67th percentile
Total loans
$311.3M
53th percentile
Total shares
$388.0M
51th percentile

Profitability

Return on assets
0.95%
47th percentile
Net interest margin
3.16%
30th percentile
Efficiency ratio
69.13%
14th percentile
Non-interest income ratio
44.84%
100th percentile

Capital & Risk

Net worth ratio
10.54%
44th percentile
Delinquency rate
0.54%
65th percentile
Net charge-off rate
0.40%
51th percentile
Loan-to-share
80.22%
49th percentile

Growth

Member growth YoY
3.57%
81th percentile
Asset growth YoY
6.42%
61th percentile
Loan growth YoY
1.95%
38th percentile
Share growth YoY
5.99%
62th percentile

Operations

Members / branch
5,995
73th percentile
Assets / member
$12,294
14th percentile
Field of membership penetration
17.13%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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