Victoria, TX · Charter 13672
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
53
Asset Quality
89
Profitability
22
Liquidity
91
Efficiency
6
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.
Victoria, TX · Charter 13672
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 | 0.40% | 0.32% | 0.26% | 0.19% | -0.27% | -67 bps | |
| Return on Equity | 2.61% | 2.15% | 1.73% | 1.30% | -1.83% | -444 bps | |
| Net Interest Margin | 4.16% | 4.13% | 4.06% | 3.76% | 3.81% | -35 bps | |
| Efficiency Ratio | 91.92% | 92.83% | 94.41% | 100.37% | 107.49% | +1,556 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.97% | -3.77% | 0.97% | 3.84% | 2.39% | +936 bps | |
| Loan Growth (YoY) | 1.32% | 0.22% | -2.89% | -7.39% | -6.25% | -757 bps | |
| Share Growth (YoY) | -8.58% | -4.59% | 1.63% | 4.32% | 2.92% | +1,150 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.21% | 0.49% | 0.00% | 0.06% | +3 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 | 15.16% | 15.12% | 14.99% | 14.58% | 14.74% | -42 bps | |
| Net Worth / Assets | 15.16% | 15.12% | 14.99% | 14.58% | 14.74% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.40% | 70.41% | 68.93% | 63.17% | 65.03% | -636 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Victoria, TX · Charter 13672 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.26%
Rank 210 of 235
Net Interest Margin
3.81%
Rank 128 of 235
Efficiency Ratio
107.38%
Rank 221 of 235
Equity / Assets
14.74%
Rank 111 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | 0.17% | 0.57% | 1.10% | Beats 11% | 210 / 235 | |
| Return on Equity | -1.75% | 1.03% | 4.30% | 7.58% | Beats 10% | 211 / 235 | |
| Net Interest Margin | 3.81% | 3.32% | 3.89% | 4.35% | Beats 46% | 128 / 235 | |
| Efficiency Ratio | 107.38% | 70.60% | 82.00% | 91.57% | Beats 6% | 221 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.20% | 0.59% | 1.14% | Beats 89% | 28 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.74% | 11.30% | 14.41% | 19.49% | Beats 53% | 111 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.74% | 11.30% | 14.41% | 19.49% | Beats 53% | 111 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.03% | 54.18% | 67.38% | 81.66% | 45th pctl | 129 / 235 | |
| Loans / Assets | 55.29% | 43.80% | 56.63% | 68.64% | 47th pctl | 125 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||