Morris Sheppard Texarkana

TEXARKANA, TX · 1 · Charter #1 · www.morrissheppardfcu.org
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
$13.3M
50th percentile
Members
1,254
45th percentile
Total loans
$8.7M
61th percentile
Total shares
$11.8M
52th percentile

Profitability

Return on assets
0.79%
49th percentile
Net interest margin
3.57%
35th percentile
Efficiency ratio
58.55%
68th percentile
Non-interest income ratio
11.21%
57th percentile

Capital & Risk

Net worth ratio
11.01%
23th percentile
Delinquency rate
0.69%
50th percentile
Net charge-off rate
0.09%
63th percentile
Loan-to-share
73.84%
68th percentile

Growth

Member growth YoY
-1.03%
54th percentile
Asset growth YoY
12.49%
95th percentile
Loan growth YoY
-4.59%
44th percentile
Share growth YoY
13.23%
95th percentile

Operations

Members / branch
627
29th percentile
Assets / member
$10,617
61th percentile
Field of membership penetration
62.70%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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