Palestine, TX · Charter 1129
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
13
Asset Quality
67
Profitability
34
Liquidity
0
Efficiency
27
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.
Palestine, TX · Charter 1129
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 | 0.66% | 0.62% | 0.63% | 0.25% | 0.23% | -43 bps | |
| Return on Equity | 6.91% | 6.07% | 6.45% | 2.64% | 2.36% | -455 bps | |
| Net Interest Margin | 3.94% | 4.12% | 3.91% | 3.57% | 3.58% | -36 bps | |
| Efficiency Ratio | 82.36% | 82.25% | 83.04% | 89.41% | 90.86% | +850 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.22% | -1.55% | 1.66% | 4.38% | 3.34% | +12 bps | |
| Loan Growth (YoY) | 6.52% | 2.53% | 3.28% | -0.09% | -1.09% | -761 bps | |
| Share Growth (YoY) | 2.06% | -1.68% | 0.74% | 5.91% | 4.27% | +221 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.55% | 0.65% | 0.60% | 0.34% | -51 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 | 9.58% | 10.18% | 9.69% | 9.56% | 9.66% | +8 bps | |
| Net Worth / Assets | 9.58% | 10.18% | 9.69% | 9.56% | 9.66% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.36% | 98.70% | 102.96% | 93.36% | 96.15% | -521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Palestine, TX · Charter 1129 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.23%
Rank 167 of 235
Net Interest Margin
3.58%
Rank 149 of 235
Efficiency Ratio
90.70%
Rank 173 of 235
Equity / Assets
9.66%
Rank 204 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.17% | 0.57% | 1.10% | Beats 29% | 167 / 235 | |
| Return on Equity | 2.40% | 1.03% | 4.30% | 7.58% | Beats 35% | 152 / 235 | |
| Net Interest Margin | 3.58% | 3.32% | 3.89% | 4.35% | Beats 37% | 149 / 235 | |
| Efficiency Ratio | 90.70% | 70.60% | 82.00% | 91.57% | Beats 27% | 173 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.35% | 0.20% | 0.59% | 1.14% | Beats 67% | 78 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.66% | 11.30% | 14.41% | 19.49% | Beats 13% | 204 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.66% | 11.30% | 14.41% | 19.49% | Beats 13% | 204 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.15% | 54.18% | 67.38% | 81.66% | 95th pctl | 11 / 235 | |
| Loans / Assets | 85.24% | 43.80% | 56.63% | 68.64% | 98th pctl | 4 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||