DEL RIO S.P.
Charter #67531 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
DEL RIO S.P. has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.18% 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 Growth Rate: Top 1.9% in tier
- + Net Worth Ratio: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 10.72% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - Net Charge-Off Rate: Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 7.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
762
-0.9% YoY+0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 21.8% in tier |
| Assets |
$3.4M
-3.5% YoY-3.0% QoQ
|
$-26.5M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.3% in tier |
| Loans |
$1.2M
+24.8% YoY+0.3% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.0% in tier |
| Deposits |
$2.1M
-5.3% YoY-4.1% QoQ
|
$-23.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.2% in tier |
| ROA |
-0.4%
+16.4% YoY-217.6% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.6% in tier |
| NIM |
6.1%
+28.0% YoY+0.4% QoQ
|
+2.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 3.7% in tier |
| Efficiency Ratio |
92.1%
-14.3% YoY+0.6% QoQ
|
+10.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 19.9% in tier |
| Delinquency Rate |
2.0%
+10.6% YoY-38.6% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 20.4% in tier |
| Loan To Share |
58.5%
+31.8% YoY+4.6% QoQ
|
-2.7% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
46th in tier |
| AMR |
$4,406
+4.9% YoY-2.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.5% 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 (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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
50
Loan Growth Rate
growth
Value:
24.80%
Peer Avg: 59.01%
#50 of 2596
Top 1.9% in <100M tier
81
Net Worth Ratio
risk
Value:
37.05%
Peer Avg: 16.43%
#81 of 2596
Top 3.1% in <100M tier
96
Net Interest Margin (NIM)
profitability
Value:
6.11%
Peer Avg: 3.93%
#96 of 2596
Top 3.7% in <100M tier
Top Weaknesses (13 metrics)
2503
Net Charge-Off Rate
risk
Value:
2.75%
Peer Avg: 0.57%
#2503 of 2596
Bottom 3.6% in <100M tier
2402
Average Member Relationship (AMR)
engagement
Value:
$4,406
Peer Avg: $14,627
#2402 of 2596
Bottom 7.5% in <100M tier
2347
Return on Assets (ROA)
profitability
Value:
-0.43%
Peer Avg: 0.68%
#2347 of 2596
Bottom 9.6% in <100M tier
2347
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,626
Peer Avg: $5,488
#2347 of 2596
Bottom 9.6% in <100M tier
2278
Total Deposits
balance_sheet
Value:
$2.12M
Peer Avg: $25.45M
#2278 of 2596
Bottom 12.3% in <100M tier
2258
Total Loans
balance_sheet
Value:
$1.24M
Peer Avg: $15.77M
#2258 of 2596
Bottom 13.1% in <100M tier
2226
Total Assets
balance_sheet
Value:
$3.39M
Peer Avg: $29.86M
#2226 of 2596
Bottom 14.3% in <100M tier
2169
Deposit Growth Rate
growth
Value:
-5.30%
Peer Avg: 16.80%
#2169 of 2596
Bottom 16.5% in <100M tier
2092
Asset Growth Rate
growth
Value:
-3.54%
Peer Avg: 1.82%
#2092 of 2596
Bottom 19.5% in <100M tier
2081
Efficiency Ratio
profitability
Value:
92.11%
Peer Avg: 81.39%
#2081 of 2596
Bottom 19.9% in <100M tier