Deer Park, TX · Charter 13132
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 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
71
Asset Quality
29
Profitability
48
Liquidity
0
Efficiency
33
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.
Deer Park, TX · Charter 13132
NCUA · 1 branch
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 | 1.22% | 1.18% | 0.62% | 0.52% | 0.65% | 0.81% | 0.24% | 0.42% | -10 bps | |
| Return on Equity | 4.52% | 4.36% | 2.50% | 2.11% | 3.11% | 3.65% | 1.19% | 2.34% | +23 bps | |
| Net Interest Margin | 5.34% | 5.35% | 4.82% | 5.06% | 4.42% | 4.74% | 4.53% | 4.55% | -51 bps | |
| Efficiency Ratio | 77.62% | 77.17% | 84.62% | 86.57% | 82.83% | 81.20% | 91.32% | 88.22% | +165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.95% | 9.25% | 16.11% | 7.17% | 25.61% | 19.52% | 11.93% | 30.56% | +2,339 bps | |
| Loan Growth (YoY) | 7.50% | 8.64% | 8.95% | 9.76% | 3.17% | 5.95% | 11.42% | 15.74% | +598 bps | |
| Share Growth (YoY) | 8.66% | 12.94% | 23.67% | 8.53% | 41.76% | 30.43% | 12.70% | 44.84% | +3,631 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.94% | 6.72% | 5.68% | 5.60% | 2.00% | 3.41% | 2.70% | 1.31% | -429 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 | 27.10% | 27.14% | 24.75% | 24.59% | 21.07% | 22.24% | 19.98% | 18.01% | -658 bps | |
| Net Worth / Assets | 27.10% | 27.14% | 24.75% | 24.59% | 21.07% | 22.24% | 19.98% | 18.01% | -658 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 126.79% | 129.01% | 116.19% | 124.68% | 92.28% | 104.79% | 114.86% | 99.63% | -2,505 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.11% | 0.53% | 1.19% | Beats 46% | 34 / 63 | ||
| Return on Equity | 2.34% | 1.09% | 3.60% | 6.92% | Beats 39% | 38 / 62 | ||
| Net Interest Margin | 4.56% | 3.19% | 4.06% | 4.80% | Beats 59% | 26 / 63 | ||
| Efficiency Ratio | 88.11% | 72.55% | 82.57% | 90.97% | Beats 33% | 43 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.31% | 0.32% | 0.64% | 1.62% | Beats 29% | 46 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.00% | 10.13% | 12.81% | 19.70% | Beats 71% | 18 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.00% | 10.13% | 12.81% | 19.70% | Beats 71% | 18 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.63% | 55.42% | 71.20% | 87.46% | 92nd pctl | 5 / 63 | ||
| Loans / Assets | 81.40% | 48.43% | 59.68% | 73.12% | 94th pctl | 4 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||