Texarkana, Texas · Peer group 3
Texarkana Terminal Employees Credit Union
Texarkana Terminal Employees Credit Union holds $10.8M in assets across 1,271 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1948. Charter number 5822, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $10.8M |
|---|---|
| Total loans | $7.3M |
| Total shares (deposits) | $9.7M |
| Net worth | $1.1M |
| Members | 1,271 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -4.9% | |
|---|---|---|
| Loans | -3.6% | around the 43rd percentile of its peer group |
| Deposits | -5.6% | around the 11th percentile of its peer group |
| Members | -0.7% | around the 58th percentile 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 | 75.3% | around the 77th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.7% | around the 16th percentile of its peer group |
| Return on assets | 0.76% | around the 56th percentile of its peer group |
| Delinquency ratio | 0.12% | around the 23rd percentile of its peer group |
| Cash / assets | 9.7% | around the 41st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Texarkana Terminal Employees 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.
- Hale County Teachers Credit Union
Plainview, TX
$10.8M · 1,408 members
- Pampa Teachers Credit Union
Pampa, TX
$10.8M · 1,828 members
- Methodist Hospital Employees Credit Union
Dallas, TX
$10.8M · 1,672 members
- J.C.T. Credit Union
Edna, TX
$10.7M · 600 members
- Met Tran Credit Union
Houston, TX
$11.0M · 2,854 members
- Vatat Credit Union
Austin, TX
$10.6M · 1,113 members
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