Andrews, TX · Charter 10739
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
92
Asset Quality
56
Profitability
55
Liquidity
76
Efficiency
60
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.
Andrews, TX · Charter 10739
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 | 1.60% | 1.48% | 2.10% | 1.88% | 1.83% | 1.43% | 1.26% | 0.75% | -113 bps | |
| Return on Equity | 6.20% | 5.73% | 7.82% | 6.80% | 6.58% | 5.14% | 4.41% | 2.66% | -414 bps | |
| Net Interest Margin | 4.53% | 4.43% | 4.76% | 4.78% | 4.68% | 4.51% | 4.34% | 4.22% | -56 bps | |
| Efficiency Ratio | 65.39% | 67.52% | 56.62% | 61.39% | 61.58% | 64.99% | 71.56% | 77.98% | +1,658 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.64% | 2.84% | -3.13% | -4.03% | -1.71% | -3.01% | -2.42% | 0.39% | +442 bps | |
| Loan Growth (YoY) | -4.01% | -0.45% | 8.48% | 8.70% | -0.70% | -10.14% | -13.25% | -14.52% | -2,322 bps | |
| Share Growth (YoY) | -0.02% | 1.63% | -6.41% | -7.57% | -4.38% | -5.86% | -4.82% | -0.71% | +686 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.16% | 0.28% | 2.31% | 3.65% | 4.32% | 3.13% | 0.47% | -184 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 | 0.84% | 0.82% | 0.80% | 0.80% | 0.85% | 0.91% | 0.92% | 0.94% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.78% | 25.77% | 26.89% | 27.62% | 27.77% | 27.87% | 28.60% | 28.20% | +58 bps | |
| Net Worth / Assets | 25.78% | 25.77% | 26.89% | 27.62% | 27.77% | 27.87% | 28.60% | 28.20% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.41% | 78.58% | 83.79% | 85.02% | 80.39% | 75.00% | 76.36% | 73.20% | -1,182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Andrews, TX · Charter 10739 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.75%
Rank 100 of 235
Net Interest Margin
4.21%
Rank 71 of 235
Efficiency Ratio
77.78%
Rank 94 of 235
Equity / Assets
28.21%
Rank 19 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 57% | 100 / 235 | ||
| Return on Equity | 2.65% | 1.03% | 4.30% | 7.58% | Beats 37% | 147 / 235 | ||
| Net Interest Margin | 4.21% | 3.32% | 3.89% | 4.35% | Beats 70% | 71 / 235 | ||
| Efficiency Ratio | 77.78% | 70.60% | 82.00% | 91.57% | Beats 60% | 94 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.20% | 0.59% | 1.14% | Beats 56% | 105 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 28.21% | 11.30% | 14.41% | 19.49% | Beats 92% | 19 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 28.21% | 11.30% | 14.41% | 19.49% | Beats 92% | 19 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.19% | 54.18% | 67.38% | 81.66% | 61st pctl | 91 / 235 | ||
| Loans / Assets | 52.22% | 43.80% | 56.63% | 68.64% | 40th pctl | 140 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||