H E B

San Antonio, TX · 1 · Charter #15650 · www.hebfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$214.7M
93th percentile
Members
12,186
80th percentile
Total loans
$154.0M
96th percentile
Total shares
$170.3M
89th percentile

Profitability

Return on assets
1.10%
55th percentile
Net interest margin
3.96%
67th percentile
Efficiency ratio
66.36%
38th percentile
Non-interest income ratio
20.01%
64th percentile

Capital & Risk

Net worth ratio
18.13%
89th percentile
Delinquency rate
0.24%
85th percentile
Net charge-off rate
0.06%
90th percentile
Loan-to-share
90.41%
88th percentile

Growth

Member growth YoY
-1.07%
45th percentile
Asset growth YoY
2.66%
39th percentile
Loan growth YoY
11.43%
90th percentile
Share growth YoY
2.11%
39th percentile

Operations

Members / branch
12,186
99th percentile
Assets / member
$17,621
74th percentile
Field of membership penetration
40.62%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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