Brownfield, TX · Charter 13873
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
96
Asset Quality
51
Profitability
35
Liquidity
88
Efficiency
3
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.
Brownfield, TX · Charter 13873
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 | 0.86% | 0.76% | -0.18% | -0.55% | -0.57% | -0.77% | -0.85% | -1.00% | -45 bps | |
| Return on Equity | 2.46% | 2.12% | -0.52% | -1.59% | -1.64% | -2.14% | -2.46% | -2.90% | -131 bps | |
| Net Interest Margin | 5.44% | 5.54% | 5.18% | 5.23% | 5.27% | 5.46% | 4.84% | 4.93% | -30 bps | |
| Efficiency Ratio | 85.58% | 87.25% | 97.13% | 105.57% | 105.07% | 107.17% | 119.42% | 117.55% | +1,198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.26% | -5.55% | -3.65% | -4.37% | 0.52% | -2.66% | -3.65% | -3.25% | +112 bps | |
| Loan Growth (YoY) | -10.84% | -11.73% | -13.91% | -9.94% | -12.98% | -14.69% | -12.71% | -15.41% | -546 bps | |
| Share Growth (YoY) | -10.18% | -9.29% | -6.28% | -6.63% | 1.29% | -3.00% | -4.28% | -3.55% | +308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.77% | 0.21% | 0.07% | 0.06% | 0.09% | 0.03% | 0.57% | +50 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 | 34.99% | 35.63% | 34.35% | 34.30% | 34.48% | 35.84% | 34.74% | 34.48% | +19 bps | |
| Net Worth / Assets | 34.99% | 35.63% | 34.35% | 34.30% | 34.48% | 35.84% | 34.74% | 34.48% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.58% | 91.88% | 80.33% | 80.04% | 77.82% | 80.81% | 73.26% | 70.20% | -984 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brownfield, TX · Charter 13873 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.00%
Rank 223 of 235
Net Interest Margin
4.92%
Rank 21 of 235
Efficiency Ratio
117.59%
Rank 228 of 235
Equity / Assets
34.48%
Rank 9 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.00% | 0.17% | 0.57% | 1.10% | Beats 5% | 223 / 235 | ||
| Return on Equity | -2.89% | 1.03% | 4.30% | 7.58% | Beats 9% | 214 / 235 | ||
| Net Interest Margin | 4.92% | 3.32% | 3.89% | 4.35% | Beats 91% | 21 / 235 | ||
| Efficiency Ratio | 117.59% | 70.60% | 82.00% | 91.57% | Beats 3% | 228 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.20% | 0.59% | 1.14% | Beats 51% | 116 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 34.48% | 11.30% | 14.41% | 19.49% | Beats 96% | 9 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 34.48% | 11.30% | 14.41% | 19.49% | Beats 96% | 9 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.20% | 54.18% | 67.38% | 81.66% | 54th pctl | 107 / 235 | ||
| Loans / Assets | 45.91% | 43.80% | 56.63% | 68.64% | 28th pctl | 170 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||