Pharr, TX · Charter 10994
NCUA · 3 branches
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
64
Asset Quality
55
Profitability
69
Liquidity
39
Efficiency
88
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.
Pharr, TX · Charter 10994
NCUA · 3 branches
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 | 1.70% | 1.74% | 1.74% | 1.79% | 1.82% | 1.89% | 1.69% | 1.73% | -6 bps | |
| Return on Equity | 10.44% | 10.36% | 10.50% | 11.15% | 11.03% | 11.03% | 9.94% | 10.54% | -61 bps | |
| Net Interest Margin | 3.59% | 3.65% | 3.59% | 3.52% | 3.61% | 3.67% | 3.60% | 3.43% | -9 bps | |
| Efficiency Ratio | 62.46% | 62.90% | 65.07% | 63.03% | 63.37% | 62.95% | 66.53% | 62.96% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.58% | 2.71% | 5.99% | 10.70% | 10.82% | 10.54% | 9.07% | 9.67% | -103 bps | |
| Loan Growth (YoY) | -0.42% | 0.67% | -0.37% | 6.08% | 7.96% | 12.86% | 12.67% | 8.07% | +199 bps | |
| Share Growth (YoY) | 1.95% | 0.99% | 4.82% | 6.81% | 9.76% | 10.32% | 8.72% | 9.21% | +241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.57% | 0.32% | 0.55% | 0.48% | 0.43% | 0.36% | 0.50% | -6 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 | 16.33% | 16.83% | 16.56% | 16.09% | 16.52% | 17.11% | 17.04% | 16.44% | +35 bps | |
| Net Worth / Assets | 16.33% | 16.83% | 16.56% | 16.09% | 16.52% | 17.11% | 17.04% | 16.44% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.23% | 55.71% | 51.40% | 51.88% | 53.33% | 56.99% | 53.27% | 51.34% | -54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pharr, TX · Charter 10994 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
1.73%
Rank 19 of 235
Net Interest Margin
3.43%
Rank 166 of 235
Efficiency Ratio
62.98%
Rank 29 of 235
Equity / Assets
16.44%
Rank 84 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.73% | 0.17% | 0.57% | 1.10% | Beats 92% | 19 / 235 | ||
| Return on Equity | 10.53% | 1.03% | 4.30% | 7.58% | Beats 87% | 30 / 235 | ||
| Net Interest Margin | 3.43% | 3.32% | 3.89% | 4.35% | Beats 29% | 166 / 235 | ||
| Efficiency Ratio | 62.98% | 70.60% | 82.00% | 91.57% | Beats 88% | 29 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.50% | 0.20% | 0.59% | 1.14% | Beats 55% | 107 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.44% | 11.30% | 14.41% | 19.49% | Beats 64% | 84 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.44% | 11.30% | 14.41% | 19.49% | Beats 64% | 84 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.34% | 54.18% | 67.38% | 81.66% | 21st pctl | 186 / 235 | ||
| Loans / Assets | 42.92% | 43.80% | 56.63% | 68.64% | 23rd pctl | 181 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||