Community Service

Huntsville, TX · 2 · Charter #67974 · www.cscutx.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
$164.7M
78th percentile
Members
11,282
76th percentile
Total loans
$124.7M
88th percentile
Total shares
$137.9M
76th percentile

Profitability

Return on assets
1.30%
68th percentile
Net interest margin
4.16%
77th percentile
Efficiency ratio
65.24%
42th percentile
Non-interest income ratio
27.97%
90th percentile

Capital & Risk

Net worth ratio
9.17%
13th percentile
Delinquency rate
0.77%
47th percentile
Net charge-off rate
0.51%
33th percentile
Loan-to-share
90.43%
88th percentile

Growth

Member growth YoY
1.69%
76th percentile
Asset growth YoY
8.61%
83th percentile
Loan growth YoY
16.61%
96th percentile
Share growth YoY
6.27%
73th percentile

Operations

Members / branch
5,641
87th percentile
Assets / member
$14,603
51th percentile
Field of membership penetration
0.96%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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