Littlefield, TX · Charter 12289
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
74
Asset Quality
100
Profitability
21
Liquidity
0
Efficiency
7
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.
Littlefield, TX · Charter 12289
NCUA · 1 branch
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 | 0.08% | 0.22% | 0.55% | -0.54% | 0.12% | +4 bps | |
| Return on Equity | 0.44% | 1.18% | 2.77% | -2.87% | 0.62% | +18 bps | |
| Net Interest Margin | 3.27% | 3.23% | 3.95% | 2.68% | 3.06% | -20 bps | |
| Efficiency Ratio | 97.56% | 93.38% | 86.29% | 119.58% | 102.40% | +484 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.55% | 0.27% | -4.84% | -4.07% | -0.48% | +1,407 bps | |
| Loan Growth (YoY) | -28.15% | -33.86% | -32.51% | -26.74% | -14.80% | +1,334 bps | |
| Share Growth (YoY) | -17.48% | 0.04% | -6.59% | -5.32% | -1.23% | +1,625 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.82% | 2.46% | 2.50% | 0.52% | 0.09% | -273 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.40% | 1.32% | 1.53% | 1.03% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.23% | 18.24% | 19.65% | 18.95% | 18.86% | +63 bps | |
| Net Worth / Assets | 18.23% | 18.24% | 19.65% | 18.95% | 18.86% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.89% | 33.01% | 37.66% | 31.29% | 34.41% | -548 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Littlefield, TX · Charter 12289 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.19%
Rank 173 of 235
Net Interest Margin
3.08%
Rank 203 of 235
Efficiency Ratio
106.25%
Rank 220 of 235
Equity / Assets
18.86%
Rank 60 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.17% | 0.57% | 1.10% | Beats 26% | 173 / 235 | |
| Return on Equity | 1.02% | 1.03% | 4.30% | 7.58% | Beats 24% | 178 / 235 | |
| Net Interest Margin | 3.08% | 3.32% | 3.89% | 4.35% | Beats 14% | 203 / 235 | |
| Efficiency Ratio | 106.25% | 70.60% | 82.00% | 91.57% | Beats 7% | 220 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.86% | 11.30% | 14.41% | 19.49% | Beats 74% | 60 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.86% | 11.30% | 14.41% | 19.49% | Beats 74% | 60 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 34.37% | 54.18% | 67.38% | 81.66% | 6th pctl | 220 / 235 | |
| Loans / Assets | 27.72% | 43.80% | 56.63% | 68.64% | 7th pctl | 219 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||