Trinity Valley Teachers

Palestine, TX · 2 · Charter #67634 · www.tvtcu.com
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
$31.6M
79th percentile
Members
2,969
84th percentile
Total loans
$6.3M
50th percentile
Total shares
$21.9M
72th percentile

Profitability

Return on assets
1.93%
90th percentile
Net interest margin
4.13%
56th percentile
Efficiency ratio
49.30%
84th percentile
Non-interest income ratio
3.23%
25th percentile

Capital & Risk

Net worth ratio
30.53%
93th percentile
Delinquency rate
0.69%
51th percentile
Net charge-off rate
0.28%
45th percentile
Loan-to-share
28.70%
11th percentile

Growth

Member growth YoY
-1.98%
44th percentile
Asset growth YoY
2.65%
60th percentile
Loan growth YoY
-6.07%
37th percentile
Share growth YoY
0.90%
53th percentile

Operations

Members / branch
2,969
92th percentile
Assets / member
$10,642
61th percentile
Field of membership penetration
42.41%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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