White Oak, TX · Charter 1130
NCUA · 2 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
90
Asset Quality
9
Profitability
53
Liquidity
0
Efficiency
20
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.
White Oak, TX · Charter 1130
NCUA · 2 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 | 0.41% | 0.08% | -0.28% | 0.17% | -0.74% | -0.06% | 0.36% | 0.36% | +19 bps | |
| Return on Equity | 1.72% | 0.35% | -1.18% | 0.70% | -3.18% | -0.23% | 1.45% | 1.33% | +63 bps | |
| Net Interest Margin | 4.80% | 4.83% | 4.59% | 4.81% | 4.79% | 5.20% | 5.10% | 5.46% | +65 bps | |
| Efficiency Ratio | 90.42% | 92.16% | 92.64% | 89.13% | 107.12% | 103.14% | 95.95% | 94.15% | +502 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.38% | -9.39% | -5.14% | -2.65% | -1.24% | -6.29% | -4.16% | -11.43% | -878 bps | |
| Loan Growth (YoY) | -9.59% | -12.43% | -4.51% | 3.19% | 7.60% | 2.85% | -1.48% | 2.23% | -96 bps | |
| Share Growth (YoY) | -9.08% | -10.11% | -0.77% | -3.56% | -5.56% | -4.93% | -5.61% | -14.88% | -1,133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.04% | 8.14% | 9.59% | 7.57% | 6.20% | 3.96% | 2.61% | 2.41% | -517 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 | 0.57% | 0.89% | 1.00% | 1.05% | 1.15% | 0.68% | 0.65% | 0.66% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.74% | 23.78% | 23.55% | 23.62% | 23.26% | 25.32% | 24.68% | 26.70% | +307 bps | |
| Net Worth / Assets | 23.74% | 23.78% | 23.55% | 23.62% | 23.26% | 25.32% | 24.68% | 26.70% | +307 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.44% | 108.08% | 105.78% | 104.80% | 118.99% | 116.93% | 110.41% | 125.87% | +2,107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
White Oak, TX · Charter 1130 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
0.34%
Rank 150 of 235
Net Interest Margin
5.45%
Rank 9 of 235
Efficiency Ratio
93.98%
Rank 188 of 235
Equity / Assets
26.69%
Rank 24 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.34% | 0.17% | 0.57% | 1.10% | Beats 36% | 150 / 235 | ||
| Return on Equity | 1.26% | 1.03% | 4.30% | 7.58% | Beats 26% | 173 / 235 | ||
| Net Interest Margin | 5.45% | 3.32% | 3.89% | 4.35% | Beats 96% | 9 / 235 | ||
| Efficiency Ratio | 93.98% | 70.60% | 82.00% | 91.57% | Beats 20% | 188 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.42% | 0.20% | 0.59% | 1.14% | Beats 9% | 215 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.69% | 11.30% | 14.41% | 19.49% | Beats 90% | 24 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.69% | 11.30% | 14.41% | 19.49% | Beats 90% | 24 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 125.87% | 54.18% | 67.38% | 81.66% | 99th pctl | 2 / 235 | ||
| Loans / Assets | 91.72% | 43.80% | 56.63% | 68.64% | 100th pctl | 1 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||