Texhillco School Employees

Kerrville, TX · 1 · Charter #11576 · www.Texhillco.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
$26.3M
72th percentile
Members
2,146
69th percentile
Total loans
$22.1M
91th percentile
Total shares
$23.1M
74th percentile

Profitability

Return on assets
0.43%
32th percentile
Net interest margin
5.16%
86th percentile
Efficiency ratio
75.34%
32th percentile
Non-interest income ratio
15.74%
72th percentile

Capital & Risk

Net worth ratio
10.04%
16th percentile
Delinquency rate
0.95%
43th percentile
Net charge-off rate
0.42%
37th percentile
Loan-to-share
95.56%
91th percentile

Growth

Member growth YoY
2.19%
85th percentile
Asset growth YoY
13.67%
96th percentile
Loan growth YoY
8.23%
87th percentile
Share growth YoY
21.69%
98th percentile

Operations

Members / branch
1,073
49th percentile
Assets / member
$12,270
72th percentile
Field of membership penetration
28.24%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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