Liberty, TX · Charter 14052
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
68
Asset Quality
87
Profitability
93
Liquidity
62
Efficiency
87
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.
Liberty, TX · Charter 14052
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 | 1.97% | 2.23% | 2.11% | 2.69% | 2.15% | +17 bps | |
| Return on Equity | 13.28% | 14.21% | 13.27% | 15.93% | 12.54% | -74 bps | |
| Net Interest Margin | 5.34% | 5.45% | 5.42% | 5.42% | 5.36% | +2 bps | |
| Efficiency Ratio | 66.84% | 65.10% | 64.49% | 65.39% | 66.05% | -79 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.75% | 1.32% | 2.96% | -3.03% | -0.49% | +126 bps | |
| Loan Growth (YoY) | 16.36% | 25.22% | 21.24% | 4.42% | 2.10% | -1,426 bps | |
| Share Growth (YoY) | -3.93% | -2.15% | -0.22% | -5.69% | -2.91% | +102 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.00% | 0.03% | 0.54% | 0.03% | -10 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 | 14.87% | 15.70% | 15.93% | 16.88% | 17.13% | +226 bps | |
| Net Worth / Assets | 14.87% | 15.70% | 15.93% | 16.88% | 17.13% | +226 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.73% | 85.11% | 80.40% | 85.69% | 80.68% | +395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Liberty, TX · Charter 14052 · 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
2.15%
Rank 2 of 63
Net Interest Margin
5.36%
Rank 7 of 63
Efficiency Ratio
66.00%
Rank 9 of 63
Equity / Assets
17.13%
Rank 20 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.15% | 0.11% | 0.53% | 1.19% | Beats 97% | 2 / 63 | |
| Return on Equity | 12.52% | 1.09% | 3.60% | 6.92% | Beats 94% | 4 / 62 | |
| Net Interest Margin | 5.36% | 3.19% | 4.06% | 4.80% | Beats 89% | 7 / 63 | |
| Efficiency Ratio | 66.00% | 72.55% | 82.57% | 90.97% | Beats 87% | 9 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.32% | 0.64% | 1.62% | Beats 87% | 9 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.13% | 10.13% | 12.81% | 19.70% | Beats 68% | 20 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.13% | 10.13% | 12.81% | 19.70% | Beats 68% | 20 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.68% | 55.42% | 71.20% | 87.46% | 62nd pctl | 24 / 63 | |
| Loans / Assets | 66.27% | 48.43% | 59.68% | 73.12% | 62nd pctl | 24 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||