Edinburg Teachers

Edinburg, TX · 2 · Charter #66366 · www.etcu.coop
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
$96.8M
44th percentile
Members
6,192
36th percentile
Total loans
$21.7M
5th percentile
Total shares
$79.9M
42th percentile

Profitability

Return on assets
0.39%
13th percentile
Net interest margin
2.73%
10th percentile
Efficiency ratio
74.49%
15th percentile
Non-interest income ratio
9.65%
14th percentile

Capital & Risk

Net worth ratio
22.73%
97th percentile
Delinquency rate
0.01%
98th percentile
Net charge-off rate
0.22%
63th percentile
Loan-to-share
27.14%
2th percentile

Growth

Member growth YoY
-0.21%
55th percentile
Asset growth YoY
7.35%
78th percentile
Loan growth YoY
-1.68%
32th percentile
Share growth YoY
5.21%
66th percentile

Operations

Members / branch
6,192
91th percentile
Assets / member
$15,639
60th percentile
Field of membership penetration
30.96%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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