Caprock Santa Fe

SLATON, TX · 2 · Charter #67441 · www.csfcu.com
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
$51.3M
2th percentile
Members
4,298
17th percentile
Total loans
$15.4M
2th percentile
Total shares
$30.0M
0th percentile

Profitability

Return on assets
2.36%
97th percentile
Net interest margin
4.10%
74th percentile
Efficiency ratio
39.22%
95th percentile
Non-interest income ratio
10.06%
16th percentile

Capital & Risk

Net worth ratio
40.84%
100th percentile
Delinquency rate
1.82%
12th percentile
Net charge-off rate
1.32%
7th percentile
Loan-to-share
51.24%
21th percentile

Growth

Member growth YoY
-4.40%
14th percentile
Asset growth YoY
3.44%
46th percentile
Loan growth YoY
-7.88%
9th percentile
Share growth YoY
2.24%
40th percentile

Operations

Members / branch
4,298
74th percentile
Assets / member
$11,932
28th percentile
Field of membership penetration
79.59%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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