Laredo, TX · Charter 12472
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
37
Asset Quality
16
Profitability
45
Liquidity
0
Efficiency
19
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.
Laredo, TX · Charter 12472
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 | 1.46% | 0.48% | 0.22% | -0.41% | 0.05% | -141 bps | |
| Return on Equity | 11.48% | 3.75% | 1.75% | -3.28% | 0.42% | -1,106 bps | |
| Net Interest Margin | 6.44% | 6.43% | 6.46% | 6.05% | 5.75% | -69 bps | |
| Efficiency Ratio | 87.21% | 90.11% | 93.33% | 91.54% | 94.26% | +705 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.81% | -6.87% | -5.84% | -3.44% | -2.10% | +71 bps | |
| Loan Growth (YoY) | -3.91% | -2.03% | -2.92% | -2.49% | -4.56% | -66 bps | |
| Share Growth (YoY) | -3.56% | -7.95% | -6.84% | -4.02% | -2.04% | +152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 0.89% | 1.30% | 0.96% | 1.74% | +64 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 | 12.74% | 12.87% | 12.70% | 12.55% | 12.50% | -24 bps | |
| Net Worth / Assets | 12.74% | 12.87% | 12.70% | 12.55% | 12.50% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.60% | 99.66% | 98.61% | 94.06% | 95.09% | -251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Laredo, TX · Charter 12472 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.05%
Rank 190 of 235
Net Interest Margin
5.74%
Rank 5 of 235
Efficiency Ratio
94.37%
Rank 191 of 235
Equity / Assets
12.50%
Rank 147 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.17% | 0.57% | 1.10% | Beats 19% | 190 / 235 | |
| Return on Equity | 0.43% | 1.03% | 4.30% | 7.58% | Beats 19% | 190 / 235 | |
| Net Interest Margin | 5.74% | 3.32% | 3.89% | 4.35% | Beats 98% | 5 / 235 | |
| Efficiency Ratio | 94.37% | 70.60% | 82.00% | 91.57% | Beats 19% | 191 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.74% | 0.20% | 0.59% | 1.14% | Beats 16% | 198 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.50% | 11.30% | 14.41% | 19.49% | Beats 37% | 147 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.50% | 11.30% | 14.41% | 19.49% | Beats 37% | 147 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.08% | 54.18% | 67.38% | 81.66% | 94th pctl | 15 / 235 | |
| Loans / Assets | 82.50% | 43.80% | 56.63% | 68.64% | 96th pctl | 9 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||