Galveston, TX · Charter 11927
NCUA · 4 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
22
Asset Quality
14
Profitability
20
Liquidity
34
Efficiency
14
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.
Galveston, TX · Charter 11927
NCUA · 4 branches
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 | 0.68% | 0.28% | 0.27% | -0.71% | -1.01% | -168 bps | |
| Return on Equity | 6.59% | 2.72% | 2.74% | -7.08% | -10.13% | -1,672 bps | |
| Net Interest Margin | 4.33% | 4.30% | 4.23% | 3.72% | 3.77% | -56 bps | |
| Efficiency Ratio | 79.40% | 84.52% | 84.62% | 103.94% | 104.40% | +2,500 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.84% | 4.08% | 3.61% | -0.98% | -4.07% | -491 bps | |
| Loan Growth (YoY) | -1.35% | -4.84% | -9.69% | -12.53% | -14.66% | -1,331 bps | |
| Share Growth (YoY) | 0.53% | 4.18% | 4.56% | -0.62% | -3.10% | -363 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 2.28% | 1.70% | 1.84% | 2.79% | +151 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 | 10.26% | 10.14% | 10.00% | 9.98% | 9.95% | -31 bps | |
| Net Worth / Assets | 10.26% | 10.14% | 10.00% | 9.98% | 9.95% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.93% | 60.45% | 58.57% | 55.95% | 55.42% | -751 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Galveston, TX · Charter 11927 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 4 branches
Q2 2026
Return on Assets
-1.01%
Rank 57 of 63
Net Interest Margin
3.77%
Rank 37 of 63
Efficiency Ratio
104.38%
Rank 55 of 63
Equity / Assets
9.95%
Rank 49 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.01% | 0.11% | 0.53% | 1.19% | Beats 10% | 57 / 63 | |
| Return on Equity | -10.13% | 1.09% | 3.60% | 6.92% | Beats 8% | 57 / 62 | |
| Net Interest Margin | 3.77% | 3.19% | 4.06% | 4.80% | Beats 41% | 37 / 63 | |
| Efficiency Ratio | 104.38% | 72.55% | 82.57% | 90.97% | Beats 14% | 55 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.79% | 0.32% | 0.64% | 1.62% | Beats 14% | 55 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.95% | 10.13% | 12.81% | 19.70% | Beats 22% | 49 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.95% | 10.13% | 12.81% | 19.70% | Beats 22% | 49 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.42% | 55.42% | 71.20% | 87.46% | 24th pctl | 48 / 63 | |
| Loans / Assets | 49.62% | 48.43% | 59.68% | 73.12% | 30th pctl | 44 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||