Tex Mex

Laredo, TX · 2 · Charter #67579 · www.tmcu.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
$8.2M
36th percentile
Members
2,234
72th percentile
Total loans
$4.7M
42th percentile
Total shares
$6.2M
35th percentile

Profitability

Return on assets
-0.58%
8th percentile
Net interest margin
6.10%
95th percentile
Efficiency ratio
99.20%
7th percentile
Non-interest income ratio
15.86%
72th percentile

Capital & Risk

Net worth ratio
24.63%
85th percentile
Delinquency rate
1.57%
30th percentile
Net charge-off rate
8.53%
1th percentile
Loan-to-share
75.61%
71th percentile

Growth

Member growth YoY
-44.81%
0th percentile
Asset growth YoY
-13.75%
2th percentile
Loan growth YoY
-19.56%
6th percentile
Share growth YoY
-4.47%
23th percentile

Operations

Members / branch
1,117
51th percentile
Assets / member
$3,686
9th percentile
Field of membership penetration
44.68%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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