Waco, TX · Charter 11032
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
2
Asset Quality
33
Profitability
33
Liquidity
46
Efficiency
31
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.
Waco, TX · Charter 11032
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 | -0.78% | -0.81% | -0.43% | -0.35% | -0.18% | -0.11% | -0.14% | 0.05% | +39 bps | |
| Return on Equity | -11.73% | -12.18% | -6.08% | -4.96% | -2.56% | -1.59% | -1.88% | 0.61% | +557 bps | |
| Net Interest Margin | 3.30% | 3.45% | 3.66% | 3.77% | 3.86% | 3.87% | 3.96% | 4.00% | +24 bps | |
| Efficiency Ratio | 108.88% | 106.13% | 98.16% | 96.24% | 94.23% | 92.70% | 93.15% | 89.04% | -720 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.23% | -10.77% | -11.08% | -10.34% | -8.02% | -3.91% | -2.90% | -2.28% | +806 bps | |
| Loan Growth (YoY) | -8.87% | -13.52% | -16.30% | -16.69% | -14.15% | -9.65% | -4.62% | -5.36% | +1,133 bps | |
| Share Growth (YoY) | -5.55% | -10.77% | -12.02% | -11.01% | -8.87% | -4.83% | -3.07% | -2.33% | +868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.63% | 0.40% | 0.79% | 0.71% | 0.61% | 0.32% | 0.86% | +7 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 | 6.65% | 6.64% | 7.03% | 7.04% | 7.15% | 7.24% | 7.37% | 7.43% | +39 bps | |
| Net Worth / Assets | 6.65% | 6.64% | 7.03% | 7.04% | 7.15% | 7.24% | 7.37% | 7.43% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.23% | 84.98% | 83.91% | 82.80% | 82.17% | 80.67% | 82.58% | 80.24% | -257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waco, TX · Charter 11032 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.04% | 0.17% | 0.57% | 1.10% | Beats 17% | 195 / 235 | ||
| Return on Equity | 0.59% | 1.03% | 4.30% | 7.58% | Beats 21% | 185 / 235 | ||
| Net Interest Margin | 4.00% | 3.32% | 3.89% | 4.35% | Beats 60% | 95 / 235 | ||
| Efficiency Ratio | 88.99% | 70.60% | 82.00% | 91.57% | Beats 31% | 164 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.20% | 0.59% | 1.14% | Beats 33% | 159 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.43% | 11.30% | 14.41% | 19.49% | Beats 2% | 231 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.43% | 11.30% | 14.41% | 19.49% | Beats 2% | 231 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.24% | 54.18% | 67.38% | 81.66% | 73rd pctl | 64 / 235 | ||
| Loans / Assets | 73.90% | 43.80% | 56.63% | 68.64% | 84th pctl | 38 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||