FRIO COUNTY
Charter #20267 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
FRIO COUNTY has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.4% in tier
- + Net Worth Ratio: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.02% below tier average
- - Efficiency ratio 13.67% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 1.2% in tier
- - Asset Growth Rate: Bottom 1.5% in tier
- - Share Certificate Concentration (%): Bottom 1.6% in tier
- - AMR Growth Rate: Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,664
-0.7% YoY-0.6% QoQ
|
-961 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
44th in tier |
| Assets |
$5.4M
-17.6% YoY-2.2% QoQ
|
$-24.5M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 20.6% in tier |
| Loans |
$4.4M
-13.6% YoY-2.1% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
31st in tier |
| Deposits |
$3.3M
-25.2% YoY-1.6% QoQ
|
$-22.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 17.2% in tier |
| ROA |
-1.3%
-313.3% YoY-165.0% QoQ
|
-2.0% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.4% in tier |
| NIM |
7.2%
+30.6% YoY-11.1% QoQ
|
+3.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
95.1%
+6.5% YoY+25.5% QoQ
|
+13.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 16.0% in tier |
| Delinquency Rate | 1.3% | -0.2 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
68th in tier |
| Loan To Share |
131.4%
+15.6% YoY-0.6% QoQ
|
+70.1% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 0.6% in tier |
| AMR |
$4,637
-18.5% YoY-1.3% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.2% in tier |
| CD Concentration |
58.0%
-0.9% YoY
|
+33.5% |
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 (6 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
11
Loan-to-Share Ratio
balance_sheet
Value:
131.36%
Peer Avg: 61.23%
#11 of 2596
Top 0.4% in <100M tier
30
Net Interest Margin (NIM)
profitability
Value:
7.15%
Peer Avg: 3.93%
#30 of 2596
Top 1.1% in <100M tier
79
Net Worth Ratio
risk
Value:
37.35%
Peer Avg: 16.43%
#79 of 2596
Top 3.0% in <100M tier
267
Members Per Employee (MPE)
engagement
Value:
554.667
Peer Avg: 365.701
#267 of 2596
Top 10.2% in <100M tier
Top Weaknesses (12 metrics)
2566
Deposit Growth Rate
growth
Value:
-25.22%
Peer Avg: 16.80%
#2566 of 2596
Bottom 1.2% in <100M tier
2559
Asset Growth Rate
growth
Value:
-17.59%
Peer Avg: 1.82%
#2559 of 2596
Bottom 1.5% in <100M tier
2555
Share Certificate Concentration (%)
balance_sheet
Value:
57.95%
Peer Avg: 15.37%
#2555 of 2596
Bottom 1.6% in <100M tier
2530
AMR Growth Rate
growth
Value:
-18.48%
Peer Avg: 4.67%
#2530 of 2596
Bottom 2.6% in <100M tier
2482
Return on Assets (ROA)
profitability
Value:
-1.34%
Peer Avg: 0.68%
#2482 of 2596
Bottom 4.4% in <100M tier
2382
Average Member Relationship (AMR)
engagement
Value:
$4,637
Peer Avg: $14,627
#2382 of 2596
Bottom 8.3% in <100M tier
2251
Loan Growth Rate
growth
Value:
-13.56%
Peer Avg: 59.01%
#2251 of 2596
Bottom 13.3% in <100M tier
2181
Efficiency Ratio
profitability
Value:
95.07%
Peer Avg: 81.39%
#2181 of 2596
Bottom 16.0% in <100M tier
2149
Total Deposits
balance_sheet
Value:
$3.33M
Peer Avg: $25.45M
#2149 of 2596
Bottom 17.3% in <100M tier
2088
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,633
Peer Avg: $5,488
#2088 of 2596
Bottom 19.6% in <100M tier