S.T.E.C.
Charter #18816 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
S.T.E.C. has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.20% above tier average
- + Net Interest Margin 0.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.7% in tier
- + Net Worth Ratio: Top 6.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
697
+1.3% YoY+0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 19.7% in tier |
| Assets |
$5.6M
-4.7% YoY+1.3% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 21.6% in tier |
| Loans |
$4.3M
-2.0% YoY-3.4% QoQ
|
$-11.5M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$4.0M
-8.8% YoY+1.1% QoQ
|
$-21.5M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 19.1% in tier |
| ROA |
1.9%
+9.1% YoY+2.3% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 11.1% in tier |
| NIM |
4.2%
+4.2% YoY+0.5% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
62nd in tier |
| Efficiency Ratio |
59.5%
+4.1% YoY-2.5% QoQ
|
-21.9% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate |
0.6%
+11.7% YoY+1.0% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
45th in tier |
| Loan To Share |
108.7%
+7.4% YoY-4.5% QoQ
|
+47.5% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 1.9% in tier |
| AMR |
$11,842
-6.6% YoY-1.4% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
38th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
46
Loan-to-Share Ratio
balance_sheet
Value:
108.70%
Peer Avg: 61.23%
#46 of 2596
Top 1.7% in <100M tier
162
Net Worth Ratio
risk
Value:
29.64%
Peer Avg: 16.43%
#162 of 2596
Top 6.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
287
Return on Assets (ROA)
profitability
Value:
1.88%
Peer Avg: 0.68%
#287 of 2596
Top 11.0% in <100M tier
351
Efficiency Ratio
profitability
Value:
59.50%
Peer Avg: 81.39%
#351 of 2596
Top 13.5% in <100M tier
548
Member Growth Rate
growth
Value:
1.31%
Peer Avg: 14.92%
#548 of 2596
Top 21.1% in <100M tier
Top Weaknesses (7 metrics)
2369
Deposit Growth Rate
growth
Value:
-8.76%
Peer Avg: 16.80%
#2369 of 2596
Bottom 8.8% in <100M tier
2280
Fee Income Per Member
profitability
Value:
$3.43
Peer Avg: $182.96
#2280 of 2596
Bottom 12.2% in <100M tier
2251
AMR Growth Rate
growth
Value:
-6.61%
Peer Avg: 4.67%
#2251 of 2596
Bottom 13.3% in <100M tier
2209
Asset Growth Rate
growth
Value:
-4.68%
Peer Avg: 1.82%
#2209 of 2596
Bottom 14.9% in <100M tier
2101
Total Deposits
balance_sheet
Value:
$3.96M
Peer Avg: $25.45M
#2101 of 2596
Bottom 19.1% in <100M tier
2083
Total Members
engagement
Value:
697
Peer Avg: 2,626
#2083 of 2596
Bottom 19.8% in <100M tier
2034
Total Assets
balance_sheet
Value:
$5.64M
Peer Avg: $29.86M
#2034 of 2596
Bottom 21.7% in <100M tier