Victoria, TX · Charter 11164
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
91
Asset Quality
6
Profitability
16
Liquidity
10
Efficiency
36
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.
Victoria, TX · Charter 11164
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.72% | 3.75% | 2.86% | 0.26% | 0.15% | -557 bps | |
| Return on Equity | 23.28% | 15.25% | 11.52% | 1.03% | 0.54% | -2,274 bps | |
| Net Interest Margin | 7.54% | 5.72% | 4.95% | 2.60% | 2.66% | -488 bps | |
| Efficiency Ratio | 26.43% | 36.84% | 43.74% | 90.93% | 86.62% | +6,019 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.65% | -11.84% | -7.21% | -3.99% | -5.94% | +371 bps | |
| Loan Growth (YoY) | -4.75% | -10.42% | -8.34% | -9.45% | -13.33% | -858 bps | |
| Share Growth (YoY) | -12.77% | -15.27% | -10.53% | -5.50% | -9.23% | +354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.64% | 1.00% | 0.98% | 3.73% | +343 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.57% | 24.58% | 24.86% | 25.23% | 27.13% | +257 bps | |
| Net Worth / Assets | 24.57% | 24.58% | 24.86% | 25.23% | 27.13% | +257 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.88% | 44.52% | 45.14% | 43.92% | 43.81% | -207 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Victoria, TX · Charter 11164 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.14%
Rank 182 of 235
Net Interest Margin
2.66%
Rank 223 of 235
Efficiency Ratio
86.67%
Rank 152 of 235
Equity / Assets
27.14%
Rank 22 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.17% | 0.57% | 1.10% | Beats 23% | 182 / 235 | |
| Return on Equity | 0.53% | 1.03% | 4.30% | 7.58% | Beats 20% | 187 / 235 | |
| Net Interest Margin | 2.66% | 3.32% | 3.89% | 4.35% | Beats 5% | 223 / 235 | |
| Efficiency Ratio | 86.67% | 70.60% | 82.00% | 91.57% | Beats 36% | 152 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.75% | 0.20% | 0.59% | 1.14% | Beats 6% | 223 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 27.14% | 11.30% | 14.41% | 19.49% | Beats 91% | 22 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 27.14% | 11.30% | 14.41% | 19.49% | Beats 91% | 22 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.81% | 54.18% | 67.38% | 81.66% | 12th pctl | 207 / 235 | |
| Loans / Assets | 31.85% | 43.80% | 56.63% | 68.64% | 9th pctl | 213 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||