Houston, TX · Charter 11452
NCUA · 6 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 the Houston-Pasadena-The Woodlands, TX area (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
16
Asset Quality
30
Profitability
79
Liquidity
100
Efficiency
81
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.
Houston, TX · Charter 11452
NCUA · 6 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 | 0.38% | 0.34% | 0.57% | 0.50% | 0.51% | 0.44% | 1.50% | 1.39% | +89 bps | |
| Return on Equity | 4.22% | 3.81% | 6.52% | 5.59% | 5.69% | 4.95% | 16.43% | 14.60% | +901 bps | |
| Net Interest Margin | 3.58% | 3.58% | 3.63% | 3.72% | 3.67% | 3.68% | 4.54% | 4.61% | +89 bps | |
| Efficiency Ratio | 83.46% | 83.58% | 76.76% | 77.34% | 78.01% | 79.07% | 65.34% | 69.55% | -779 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.02% | 7.78% | 9.76% | 7.01% | 5.22% | 5.95% | 3.85% | 3.97% | -305 bps | |
| Loan Growth (YoY) | 5.84% | 8.03% | 7.86% | 3.58% | -1.44% | -4.16% | -4.55% | -1.54% | -512 bps | |
| Share Growth (YoY) | 6.01% | 8.59% | 10.08% | 7.71% | 4.87% | 5.33% | 3.10% | 2.88% | -483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.71% | 0.66% | 0.77% | 0.68% | 1.15% | 0.97% | 1.26% | +49 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 | 9.02% | 8.92% | 8.80% | 9.00% | 8.98% | 8.82% | 9.11% | 9.51% | +51 bps | |
| Net Worth / Assets | 9.02% | 8.92% | 8.80% | 9.00% | 8.98% | 8.82% | 9.11% | 9.51% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.56% | 77.67% | 74.44% | 74.40% | 72.90% | 70.67% | 68.92% | 71.20% | -320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 11452 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 6 branches
Q2 2026
Return on Assets
1.39%
Rank 12 of 63
Net Interest Margin
4.61%
Rank 25 of 63
Efficiency Ratio
69.54%
Rank 13 of 63
Equity / Assets
9.51%
Rank 53 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 0.11% | 0.53% | 1.19% | Beats 81% | 12 / 63 | ||
| Return on Equity | 14.60% | 1.09% | 3.60% | 6.92% | Beats 97% | 2 / 62 | ||
| Net Interest Margin | 4.61% | 3.19% | 4.06% | 4.80% | Beats 60% | 25 / 63 | ||
| Efficiency Ratio | 69.54% | 72.55% | 82.57% | 90.97% | Beats 81% | 13 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.26% | 0.32% | 0.64% | 1.62% | Beats 30% | 45 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.51% | 10.13% | 12.81% | 19.70% | Beats 16% | 53 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.51% | 10.13% | 12.81% | 19.70% | Beats 16% | 53 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.20% | 55.42% | 71.20% | 87.46% | 49th pctl | 32 / 63 | ||
| Loans / Assets | 64.25% | 48.43% | 59.68% | 73.12% | 60th pctl | 25 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||