Skel-Tex Credit Union
Skellytown, TX·Charter 60396·cu:60396·Credit union RBC / net worth
- #330 of 380Total assets in Texas
- 537members
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 20 FORFI signals stand out against 2478 similar credit unions, based on NCUA data for the quarter.
Where Skel-Tex Credit Union differs most from peers
Delinquent loans falling while the peer median holds steadyContext: Asset quality0.64%peers 0.70%-6 bps
Skel-Tex Credit Union's loans 60+ days delinquent as a share of loans fell 127 bps over the past year to 0.64%. Among 2462 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 0.64% | 0.70% | -6 bps |
| 12-month change | ||
| -127 bps | 0 bps | -127 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Skel-Tex Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar credit unionsContext: Earnings0.10%peers 0.56%-46 bps
Skel-Tex Credit Union's noninterest income relative to average assets was 0.10%, compared with a median of 0.56% among 2477 similar credit unions: lower than 82% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.10% | 0.56% | -46 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Skel-Tex Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio among the highest of similar credit unionsContext: Capital21.47%peers 14.30%+7.2 pp
Skel-Tex Credit Union's net worth ratio was 21.47%, compared with a median of 14.30% among 2478 similar credit unions: higher than 82% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 21.47% | 14.30% | +7.2 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Skel-Tex Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Skel-Tex Credit Union is a state-chartered credit union headquartered in Skellytown, Texas. It reported $6.2 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $4.8 million, up 3.4% from a year earlier, and loans totaled $2.7 million, down 10.6%.
- Its net interest margin on average assets was 3.26% and its annualized return on assets was 0.75% for the quarter.
- Its cost of all shares and deposits was 1.51%, compared with a median of 0.91% among 2475 similar credit unions with under $100 million in assets.
- It served 537 members, down 1.1% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Skel-Tex Credit Union's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- Skel-Tex Credit Union · Credit union
- NCUA charter
- 60396
- Reporting period
- Peer group
- 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Skel-Tex Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $11.58K | |
| $68.82K | |
| $18.38K | |
| $50.44K | |
| $1.61K | |
| $39.75K | |
| $729 | |
| — | |
| 0.75% | |
| 3.26% | |
| 76.36% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.