Houston, TX · Charter 12892
NCUA · 2 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
44
Asset Quality
60
Profitability
70
Liquidity
50
Efficiency
73
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 12892
NCUA · 2 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 | 1.33% | 1.37% | 1.38% | 1.39% | 1.31% | 1.11% | 1.05% | 1.15% | -24 bps | |
| Return on Equity | 12.22% | 12.18% | 11.80% | 11.55% | 10.50% | 9.08% | 8.53% | 9.18% | -238 bps | |
| Net Interest Margin | 3.63% | 3.83% | 4.21% | 4.28% | 4.25% | 4.12% | 4.12% | 4.16% | -13 bps | |
| Efficiency Ratio | 69.74% | 70.20% | 71.94% | 69.29% | 71.24% | 75.20% | 77.66% | 75.72% | +643 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.98% | 1.59% | -8.63% | -8.53% | -5.70% | -1.77% | -0.22% | 0.39% | +892 bps | |
| Loan Growth (YoY) | -2.53% | -1.51% | 1.89% | -0.43% | -0.86% | 1.19% | 3.10% | 3.23% | +366 bps | |
| Share Growth (YoY) | 4.25% | 0.22% | -10.66% | -10.79% | -7.76% | -3.10% | -1.26% | -0.74% | +1,005 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 2.04% | 1.31% | 1.22% | 1.49% | 1.00% | 0.67% | 0.51% | -71 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 | 10.87% | 11.28% | 11.71% | 12.03% | 12.44% | 12.20% | 12.37% | 12.57% | +54 bps | |
| Net Worth / Assets | 10.87% | 11.28% | 11.71% | 12.03% | 12.44% | 12.20% | 12.37% | 12.57% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.89% | 56.88% | 58.08% | 56.97% | 59.00% | 59.40% | 60.65% | 59.25% | +228 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 12892 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
1.15%
Rank 17 of 63
Net Interest Margin
4.16%
Rank 31 of 63
Efficiency Ratio
75.72%
Rank 18 of 63
Equity / Assets
12.57%
Rank 35 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.11% | 0.53% | 1.19% | Beats 73% | 17 / 63 | ||
| Return on Equity | 9.18% | 1.09% | 3.60% | 6.92% | Beats 85% | 9 / 62 | ||
| Net Interest Margin | 4.16% | 3.19% | 4.06% | 4.80% | Beats 51% | 31 / 63 | ||
| Efficiency Ratio | 75.72% | 72.55% | 82.57% | 90.97% | Beats 73% | 18 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.32% | 0.64% | 1.62% | Beats 60% | 26 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.57% | 10.13% | 12.81% | 19.70% | Beats 44% | 35 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.57% | 10.13% | 12.81% | 19.70% | Beats 44% | 35 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.25% | 55.42% | 71.20% | 87.46% | 30th pctl | 44 / 63 | ||
| Loans / Assets | 51.67% | 48.43% | 59.68% | 73.12% | 32nd pctl | 43 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||