S.T.E.C.

NURSERY, TX · 1 · Charter #18816
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
$5.5M
27th percentile
Members
691
25th percentile
Total loans
$3.9M
37th percentile
Total shares
$3.8M
24th percentile

Profitability

Return on assets
1.82%
87th percentile
Net interest margin
4.20%
59th percentile
Efficiency ratio
57.80%
70th percentile
Non-interest income ratio
1.01%
14th percentile

Capital & Risk

Net worth ratio
30.81%
93th percentile
Delinquency rate
0.39%
62th percentile
Net charge-off rate
0.23%
49th percentile
Loan-to-share
104.11%
95th percentile

Growth

Member growth YoY
0.14%
69th percentile
Asset growth YoY
-6.38%
12th percentile
Loan growth YoY
-11.99%
18th percentile
Share growth YoY
-11.15%
6th percentile

Operations

Members / branch
691
33th percentile
Assets / member
$7,947
38th percentile
Field of membership penetration
57.58%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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