Snyder, TX · Charter 10551
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
47
Asset Quality
53
Profitability
1
Liquidity
87
Efficiency
0
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.
Snyder, TX · Charter 10551
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 | -0.21% | 0.06% | -1.20% | -0.14% | 0.00% | 0.31% | -2.22% | -4.83% | -470 bps | |
| Return on Equity | -1.06% | 0.31% | -6.40% | -0.77% | -0.02% | 1.76% | -13.18% | -34.79% | -3,403 bps | |
| Net Interest Margin | 2.77% | 2.41% | 2.29% | 2.64% | 2.73% | 2.86% | 2.25% | 2.40% | -24 bps | |
| Efficiency Ratio | 92.62% | 92.00% | 149.52% | 104.88% | 100.14% | 91.99% | 160.97% | 134.12% | +2,924 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.53% | 3.50% | 0.50% | 4.04% | 7.30% | 10.42% | 11.15% | 13.75% | +971 bps | |
| Loan Growth (YoY) | 6.42% | 12.34% | 16.38% | 19.39% | 16.44% | 10.58% | 12.16% | 8.53% | -1,085 bps | |
| Share Growth (YoY) | 0.16% | 4.37% | 1.28% | 5.26% | 10.51% | 12.58% | 12.94% | 18.92% | +1,366 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 1.11% | 0.85% | 0.69% | 0.70% | 0.58% | 0.70% | 0.53% | -15 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 | 19.71% | 19.39% | 18.78% | 18.00% | 18.22% | 17.81% | 16.85% | 13.89% | -411 bps | |
| Net Worth / Assets | 19.71% | 19.39% | 18.78% | 18.00% | 18.22% | 17.81% | 16.85% | 13.89% | -411 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.62% | 69.38% | 68.45% | 70.04% | 72.29% | 68.14% | 67.97% | 63.93% | -612 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Snyder, TX · Charter 10551 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-4.84%
Rank 235 of 235
Net Interest Margin
2.40%
Rank 231 of 235
Efficiency Ratio
133.75%
Rank 235 of 235
Equity / Assets
13.89%
Rank 125 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -4.84% | 0.17% | 0.57% | 1.10% | Beats 0% | 235 / 235 | ||
| Return on Equity | -34.80% | 1.03% | 4.30% | 7.58% | Beats 0% | 235 / 235 | ||
| Net Interest Margin | 2.40% | 3.32% | 3.89% | 4.35% | Beats 2% | 231 / 235 | ||
| Efficiency Ratio | 133.75% | 70.60% | 82.00% | 91.57% | Beats 0% | 235 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.20% | 0.59% | 1.14% | Beats 53% | 111 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.89% | 11.30% | 14.41% | 19.49% | Beats 47% | 125 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.89% | 11.30% | 14.41% | 19.49% | Beats 47% | 125 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.93% | 54.18% | 67.38% | 81.66% | 42nd pctl | 136 / 235 | ||
| Loans / Assets | 54.96% | 43.80% | 56.63% | 68.64% | 46th pctl | 128 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||