Cy-Fair 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
$383.5M Assets
$246.4M Loans
$346.1M Shares
$36.5M Net Worth
Executive Summary Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 2 of 62). Widest gap: equity / assets trails 84% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 53 of 63). Overall: at or above the peer median on 4 of 7 directional measures. 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 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (62 to 63 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11