Frio County

Pearsall, TX · 1 · Charter #20267
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
$5.4M
26th percentile
Members
1,668
57th percentile
Total loans
$4.4M
40th percentile
Total shares
$3.3M
22th percentile

Profitability

Return on assets
-0.23%
11th percentile
Net interest margin
7.19%
98th percentile
Efficiency ratio
79.42%
24th percentile
Non-interest income ratio
6.40%
39th percentile

Capital & Risk

Net worth ratio
38.19%
97th percentile
Delinquency rate
2.81%
16th percentile
Net charge-off rate
0.49%
33th percentile
Loan-to-share
134.96%
99th percentile

Growth

Member growth YoY
-6.97%
10th percentile
Asset growth YoY
-15.11%
2th percentile
Loan growth YoY
-12.53%
17th percentile
Share growth YoY
-22.79%
1th percentile

Operations

Members / branch
834
39th percentile
Assets / member
$3,211
8th percentile
Field of membership penetration
18.53%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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