Laredo, TX · Charter 11011
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
25
Asset Quality
66
Profitability
67
Liquidity
83
Efficiency
48
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.
Laredo, TX · Charter 11011
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 | 1.77% | 1.57% | 0.65% | 0.81% | 0.80% | 0.77% | 0.63% | 0.75% | -6 bps | |
| Return on Equity | 17.13% | 14.50% | 6.12% | 7.56% | 7.27% | 6.87% | 5.67% | 6.65% | -91 bps | |
| Net Interest Margin | 3.98% | 4.15% | 4.06% | 4.11% | 4.20% | 4.29% | 4.23% | 4.29% | +18 bps | |
| Efficiency Ratio | 67.04% | 69.66% | 81.82% | 79.97% | 80.78% | 82.09% | 83.05% | 82.34% | +236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | -3.96% | -1.27% | 0.32% | 0.37% | 3.36% | 1.26% | 0.27% | -5 bps | |
| Loan Growth (YoY) | -1.40% | -2.47% | 6.60% | 13.29% | 17.88% | 22.01% | 15.29% | 8.30% | -499 bps | |
| Share Growth (YoY) | -5.25% | -5.74% | -3.19% | -1.36% | -0.91% | 2.24% | -0.17% | -0.35% | +101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.85% | 0.68% | 0.86% | 1.03% | 0.47% | 0.29% | 0.35% | -51 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 | 10.34% | 10.82% | 10.62% | 10.71% | 10.99% | 11.14% | 11.15% | 11.31% | +60 bps | |
| Net Worth / Assets | 10.34% | 10.82% | 10.62% | 10.71% | 10.99% | 11.14% | 11.15% | 11.31% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.89% | 52.99% | 54.30% | 57.87% | 61.74% | 63.23% | 62.71% | 62.89% | +502 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Laredo, TX · Charter 11011 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
0.75%
Rank 99 of 235
Net Interest Margin
4.29%
Rank 62 of 235
Efficiency Ratio
82.35%
Rank 123 of 235
Equity / Assets
11.31%
Rank 176 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% | 99 / 235 | ||
| Return on Equity | 6.65% | 1.03% | 4.30% | 7.58% | Beats 69% | 73 / 235 | ||
| Net Interest Margin | 4.29% | 3.32% | 3.89% | 4.35% | Beats 74% | 62 / 235 | ||
| Efficiency Ratio | 82.35% | 70.60% | 82.00% | 91.57% | Beats 48% | 123 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.20% | 0.59% | 1.14% | Beats 66% | 80 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.31% | 11.30% | 14.41% | 19.49% | Beats 25% | 176 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.31% | 11.30% | 14.41% | 19.49% | Beats 25% | 176 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.89% | 54.18% | 67.38% | 81.66% | 41st pctl | 139 / 235 | ||
| Loans / Assets | 57.82% | 43.80% | 56.63% | 68.64% | 52nd pctl | 113 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||