Morton, TX · Charter 14166
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
52
Asset Quality
37
Profitability
46
Liquidity
18
Efficiency
78
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.
Morton, TX · Charter 14166
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 | 1.10% | 1.12% | 2.72% | 1.91% | 1.44% | 0.92% | -0.46% | 0.33% | -158 bps | |
| Return on Equity | 8.00% | 8.16% | 18.73% | 12.94% | 8.96% | 5.84% | -3.00% | 2.24% | -1,070 bps | |
| Net Interest Margin | 3.83% | 3.75% | 4.37% | 4.33% | 4.73% | 4.58% | 4.00% | 4.19% | -14 bps | |
| Efficiency Ratio | 69.63% | 69.68% | 60.05% | 68.88% | 66.99% | 67.57% | 80.84% | 69.64% | +76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.78% | 14.60% | 7.71% | 6.28% | -6.17% | -6.84% | -5.07% | 3.54% | -274 bps | |
| Loan Growth (YoY) | -4.51% | -10.87% | -11.37% | -14.99% | -9.99% | -10.48% | -13.15% | -4.91% | +1,008 bps | |
| Share Growth (YoY) | 17.14% | 15.77% | 6.34% | 5.15% | -9.02% | -8.42% | -5.01% | 4.61% | -54 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 1.08% | 0.29% | 2.93% | 1.36% | 1.00% | 1.65% | 0.77% | -216 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 | 1.36% | 1.31% | 0.85% | 0.85% | 0.90% | 1.37% | 1.53% | 0.00% | -85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.77% | 13.74% | 14.52% | 14.78% | 16.10% | 15.66% | 15.37% | 14.66% | -12 bps | |
| Net Worth / Assets | 13.77% | 13.74% | 14.52% | 14.78% | 16.10% | 15.66% | 15.37% | 14.66% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.97% | 52.50% | 53.35% | 50.58% | 55.36% | 51.32% | 48.78% | 45.97% | -460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Morton, TX · Charter 14166 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.33%
Rank 152 of 235
Net Interest Margin
4.19%
Rank 72 of 235
Efficiency Ratio
69.66%
Rank 52 of 235
Equity / Assets
14.66%
Rank 113 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.33% | 0.17% | 0.57% | 1.10% | Beats 35% | 152 / 235 | ||
| Return on Equity | 2.28% | 1.03% | 4.30% | 7.58% | Beats 34% | 155 / 235 | ||
| Net Interest Margin | 4.19% | 3.32% | 3.89% | 4.35% | Beats 69% | 72 / 235 | ||
| Efficiency Ratio | 69.66% | 70.60% | 82.00% | 91.57% | Beats 78% | 52 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.78% | 0.20% | 0.59% | 1.14% | Beats 37% | 149 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.66% | 11.30% | 14.41% | 19.49% | Beats 52% | 113 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.66% | 11.30% | 14.41% | 19.49% | Beats 52% | 113 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.96% | 54.18% | 67.38% | 81.66% | 14th pctl | 203 / 235 | ||
| Loans / Assets | 39.12% | 43.80% | 56.63% | 68.64% | 18th pctl | 192 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||