Edna, TX · Charter 10324
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
100
Profitability
59
Liquidity
81
Efficiency
51
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Edna, TX · Charter 10324
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.79% | 0.95% | 1.09% | 1.06% | 0.98% | 0.66% | 0.75% | -34 bps | |
| Return on Equity | 8.79% | 9.08% | 10.57% | 11.74% | 11.72% | 10.46% | 7.08% | 7.77% | -397 bps | |
| Net Interest Margin | 3.41% | 3.61% | 3.90% | 3.94% | 3.78% | 3.84% | 3.63% | 3.77% | -17 bps | |
| Efficiency Ratio | 80.37% | 79.67% | 77.39% | 74.57% | 74.09% | 76.55% | 83.30% | 80.83% | +626 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.75% | 0.75% | 2.74% | -4.24% | 2.32% | 4.28% | 7.69% | 4.64% | +888 bps | |
| Loan Growth (YoY) | 5.20% | -5.03% | -3.99% | 1.09% | -2.25% | -1.76% | -3.63% | -6.24% | -733 bps | |
| Share Growth (YoY) | 3.27% | -0.06% | 1.90% | -5.71% | 1.28% | 3.46% | 7.34% | 4.06% | +977 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.07% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.24% | 8.74% | 9.03% | 9.26% | 9.08% | 9.36% | 9.29% | 9.68% | +42 bps | |
| Net Worth / Assets | 8.24% | 8.74% | 9.03% | 9.26% | 9.08% | 9.36% | 9.29% | 9.68% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.91% | 78.40% | 78.69% | 79.74% | 75.19% | 74.44% | 70.65% | 71.85% | -789 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Edna, TX · Charter 10324 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.75%
Rank 98 of 235
Net Interest Margin
3.76%
Rank 131 of 235
Efficiency Ratio
80.98%
Rank 115 of 235
Equity / Assets
9.68%
Rank 203 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.17% | 0.57% | 1.10% | Beats 58% | 98 / 235 | ||
| Return on Equity | 7.78% | 1.03% | 4.30% | 7.58% | Beats 76% | 57 / 235 | ||
| Net Interest Margin | 3.76% | 3.32% | 3.89% | 4.35% | Beats 44% | 131 / 235 | ||
| Efficiency Ratio | 80.98% | 70.60% | 82.00% | 91.57% | Beats 51% | 115 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.68% | 11.30% | 14.41% | 19.49% | Beats 14% | 203 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.68% | 11.30% | 14.41% | 19.49% | Beats 14% | 203 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.84% | 54.18% | 67.38% | 81.66% | 58th pctl | 98 / 235 | ||
| Loans / Assets | 64.68% | 43.80% | 56.63% | 68.64% | 69th pctl | 72 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||