Andrews School

Andrews, TX · 1 · Charter #10739
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
$6.7M
32th percentile
Members
803
30th percentile
Total loans
$3.6M
35th percentile
Total shares
$4.8M
29th percentile

Profitability

Return on assets
1.43%
77th percentile
Net interest margin
4.51%
69th percentile
Efficiency ratio
59.76%
65th percentile
Non-interest income ratio
2.17%
20th percentile

Capital & Risk

Net worth ratio
27.87%
90th percentile
Delinquency rate
4.32%
9th percentile
Net charge-off rate
0.35%
41th percentile
Loan-to-share
75.00%
70th percentile

Growth

Member growth YoY
-0.99%
55th percentile
Asset growth YoY
-3.01%
25th percentile
Loan growth YoY
-10.14%
24th percentile
Share growth YoY
-5.86%
17th percentile

Operations

Members / branch
402
19th percentile
Assets / member
$8,342
42th percentile
Field of membership penetration
50.98%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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