Sweetwater, TX · Charter 11377
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
75
Asset Quality
83
Profitability
29
Liquidity
40
Efficiency
6
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.
Sweetwater, TX · Charter 11377
NCUA · 1 branch
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 | -1.35% | -1.45% | -0.89% | -0.73% | -0.41% | -0.23% | -0.53% | -0.61% | +12 bps | |
| Return on Equity | -6.87% | -7.31% | -4.53% | -3.63% | -2.10% | -1.10% | -2.68% | -3.12% | +50 bps | |
| Net Interest Margin | 3.15% | 3.20% | 3.14% | 3.53% | 3.53% | 3.88% | 4.11% | 4.24% | +71 bps | |
| Efficiency Ratio | 126.47% | 125.49% | 120.79% | 115.01% | 115.23% | 111.18% | 110.97% | 107.02% | -798 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.14% | -16.27% | -7.22% | -5.41% | -2.13% | -4.62% | -2.27% | 2.26% | +767 bps | |
| Loan Growth (YoY) | -0.83% | 0.31% | 1.65% | -4.02% | 2.67% | 1.81% | 2.46% | 3.37% | +739 bps | |
| Share Growth (YoY) | -4.87% | -13.56% | -8.24% | -5.65% | -6.26% | -1.96% | -1.81% | 2.98% | +863 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.00% | 0.00% | 0.51% | 0.00% | 0.55% | 0.57% | 0.11% | -40 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 | 0.63% | 0.79% | 0.83% | 0.89% | 0.25% | 0.02% | 0.00% | 0.15% | -74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.70% | 19.84% | 19.55% | 20.12% | 19.42% | 20.58% | 19.88% | 19.51% | -61 bps | |
| Net Worth / Assets | 19.70% | 19.84% | 19.55% | 20.12% | 19.42% | 20.58% | 19.88% | 19.51% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.62% | 55.02% | 51.05% | 51.34% | 57.64% | 57.14% | 53.27% | 51.54% | +20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sweetwater, TX · Charter 11377 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.60%
Rank 217 of 235
Net Interest Margin
4.23%
Rank 67 of 235
Efficiency Ratio
107.39%
Rank 222 of 235
Equity / Assets
19.52%
Rank 58 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.60% | 0.17% | 0.57% | 1.10% | Beats 8% | 217 / 235 | ||
| Return on Equity | -3.10% | 1.03% | 4.30% | 7.58% | Beats 9% | 215 / 235 | ||
| Net Interest Margin | 4.23% | 3.32% | 3.89% | 4.35% | Beats 71% | 67 / 235 | ||
| Efficiency Ratio | 107.39% | 70.60% | 82.00% | 91.57% | Beats 6% | 222 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.20% | 0.59% | 1.14% | Beats 83% | 41 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.52% | 11.30% | 14.41% | 19.49% | Beats 75% | 58 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.52% | 11.30% | 14.41% | 19.49% | Beats 75% | 58 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.54% | 54.18% | 67.38% | 81.66% | 21st pctl | 185 / 235 | ||
| Loans / Assets | 41.29% | 43.80% | 56.63% | 68.64% | 22nd pctl | 184 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||