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U. S. I.

Deer Park, TX · Charter 13132

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

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.

Peer group

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.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

U. S. I.

Deer Park, TX · Charter 13132

NCUA · 1 branch

Q2 2026

$29.4MAssets
$24.0MLoans
$24.1MShares
$5.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.42%, down 10 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 1.31% of loans (-429 bps YoY).
  • Capital: net worth / assets of 18.01%, down 658 bps from a year ago.
  • Funding: loans stand at 99.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.42%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.55%-51 bps YoY

Efficiency Ratio (YTD, annualized)

88.22%+165 bps YoY

Net Worth / Assets

18.01%-658 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.65%0.81%0.24%0.42%-10 bps
Return on Equity2.11%3.11%3.65%1.19%2.34%+23 bps
Net Interest Margin5.06%4.42%4.74%4.53%4.55%-51 bps
Efficiency Ratio86.57%82.83%81.20%91.32%88.22%+165 bps
Growth
Asset Growth (YoY)7.17%25.61%19.52%11.93%30.56%+2,339 bps
Loan Growth (YoY)9.76%3.17%5.95%11.42%15.74%+598 bps
Share Growth (YoY)8.53%41.76%30.43%12.70%44.84%+3,631 bps
Asset Quality
Delinquent Loans / Loans5.60%2.00%3.41%2.70%1.31%-429 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital24.59%21.07%22.24%19.98%18.01%-658 bps
Net Worth / Assets24.59%21.07%22.24%19.98%18.01%-658 bps
Liquidity & Funding
Loans / Shares124.68%92.28%104.79%114.86%99.63%-2,505 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

U. S. I.

Deer Park, TX · Charter 13132 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)

NCUA · 1 branch

Q2 2026

$29.4MAssets
$24.0MLoans
$24.1MShares
$5.3MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 71% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 18 of 63).
  • Widest gap: nonperforming loans / loans trails 71% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 46 of 63).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.42%

Rank 34 of 63

Net Interest Margin

4.56%

Rank 26 of 63

Efficiency Ratio

88.11%

Rank 43 of 63

Equity / Assets

18.00%

Rank 18 of 63

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.42%0.11%0.53%1.19%Beats 46%34 / 63
Return on Equity2.34%1.09%3.60%6.92%Beats 39%38 / 62
Net Interest Margin4.56%3.19%4.06%4.80%Beats 59%26 / 63
Efficiency Ratio88.11%72.55%82.57%90.97%Beats 33%43 / 63
Asset Quality
Nonperforming Loans / Loans1.31%0.32%0.64%1.62%Beats 29%46 / 63
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.00%10.13%12.81%19.70%Beats 71%18 / 63
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.00%10.13%12.81%19.70%Beats 71%18 / 63
Liquidity & Funding
Loans / Deposits99.63%55.42%71.20%87.46%92nd pctl5 / 63
Loans / Assets81.40%48.43%59.68%73.12%94th pctl4 / 63
Brokered Deposits / Depositsn/aNot reported for this institution