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Heart O' Texas

Waco, TX · Charter 11032

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in TX3

Basis

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.

Peer group

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.

Peer standing

Capital

2

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

31

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Heart O' Texas

Waco, TX · Charter 11032

NCUA · 3 branches

Q2 2026

$54.6MAssets
$40.4MLoans
$50.3MShares
$4.1MNet Worth

Return on Assets (YTD, annualized)

0.05%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+24 bps YoY

Efficiency Ratio (YTD, annualized)

89.04%-720 bps YoY

Net Worth / Assets

7.43%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-0.78%-0.81%-0.43%-0.35%-0.18%-0.11%-0.14%0.05%+39 bps
Net Interest Margin3.30%3.45%3.66%3.77%3.86%3.87%3.96%4.00%+24 bps
Asset Growth (YoY)-7.23%-10.77%-11.08%-10.34%-8.02%-3.91%-2.90%-2.28%+806 bps
Share Growth (YoY)-5.55%-10.77%-12.02%-11.01%-8.87%-4.83%-3.07%-2.33%+868 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital6.65%6.64%7.03%7.04%7.15%7.24%7.37%7.43%+39 bps
Loans / Shares87.23%84.98%83.91%82.80%82.17%80.67%82.58%80.24%-257 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Heart O' Texas

Waco, TX · Charter 11032 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 3 branches

Q2 2026

$54.6MAssets
$40.4MLoans
$50.3MShares
$4.1MNet Worth

Return on Assets

0.04%

Rank 195 of 235

Net Interest Margin

4.00%

Rank 95 of 235

Efficiency Ratio

88.99%

Rank 164 of 235

Equity / Assets

7.43%

Rank 231 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.04%0.17%0.57%1.10%Beats 17%195 / 235
Net Interest Margin4.00%3.32%3.89%4.35%Beats 60%95 / 235
Nonperforming Loans / Loans0.86%0.20%0.59%1.14%Beats 33%159 / 235
Tier 1 Capital Ratio7.43%11.30%14.41%19.49%Beats 2%231 / 235
Equity / Assets7.43%11.30%14.41%19.49%Beats 2%231 / 235
Loans / Assets73.90%43.80%56.63%68.64%84th pctl38 / 235