McAllen, Texas · Peer group 4
South Texas Credit Union
South Texas Credit Union holds $68.9M in assets across 6,195 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1952. Charter number 8237, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $68.9M |
|---|---|
| Total loans | $19.5M |
| Total shares (deposits) | $63.6M |
| Net worth | $5.8M |
| Members | 6,195 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.7% | |
|---|---|---|
| Loans | -31.2% | lower than 100% of its peer group |
| Deposits | 5.2% | around the 76th percentile of its peer group |
| Members | -19.9% | lower than 99% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 30.6% | lower than 95% of its peer group |
|---|---|---|
| Net worth ratio | 8.4% | lower than 94% of its peer group |
| Return on assets | 0.10% | around the 18th percentile of its peer group |
| Delinquency ratio | 1.20% | around the 78th percentile of its peer group |
| Cash / assets | 38.2% | higher than 99% of its peer group |
| Borrowings / assets | 0.7% | higher than 96% of its peer group |
What this page does not show
Everything above is South Texas Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Star of Texas Credit Union
austin, TX
$68.3M · 2,903 members
- West Texas Credit Union
Odessa, TX
$70.3M · 5,135 members
- Service 1st Credit Union
Greenville, TX
$72.8M · 4,705 members
- Scott and White Employees Credit Union
Temple, TX
$73.2M · 4,688 members
- Texas Plains Credit Union
Amarillo, TX
$73.2M · 9,943 members
- Doches Credit Union
Nacogdoches, TX
$64.3M · 11,737 members
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