Houston, TX · Charter 14512
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
95
Asset Quality
10
Profitability
44
Liquidity
8
Efficiency
41
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.
Houston, TX · Charter 14512
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 | 0.83% | 0.87% | 0.58% | -0.32% | 0.56% | -27 bps | |
| Return on Equity | 2.04% | 2.23% | 1.46% | -0.93% | 1.61% | -43 bps | |
| Net Interest Margin | 4.84% | 5.00% | 4.64% | 3.31% | 4.17% | -67 bps | |
| Efficiency Ratio | 84.48% | 84.44% | 88.65% | 107.24% | 86.37% | +189 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.21% | -0.31% | 5.73% | 21.61% | 17.33% | +1,754 bps | |
| Loan Growth (YoY) | 0.28% | 3.73% | 6.27% | 15.72% | 18.87% | +1,859 bps | |
| Share Growth (YoY) | -5.80% | -1.72% | 6.76% | 35.33% | 33.32% | +3,912 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.98% | 3.95% | 4.49% | 0.75% | 3.13% | +114 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.45% | 0.47% | 0.47% | 0.48% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 40.43% | 38.85% | 39.76% | 34.51% | 34.60% | -583 bps | |
| Net Worth / Assets | 40.43% | 38.85% | 39.76% | 34.51% | 34.60% | -583 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.67% | 114.28% | 107.81% | 89.38% | 94.22% | -1,145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 14512 · 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
0.55%
Rank 30 of 63
Net Interest Margin
4.17%
Rank 30 of 63
Efficiency Ratio
86.47%
Rank 38 of 63
Equity / Assets
34.60%
Rank 3 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.11% | 0.53% | 1.19% | Beats 52% | 30 / 63 | |
| Return on Equity | 1.59% | 1.09% | 3.60% | 6.92% | Beats 29% | 44 / 62 | |
| Net Interest Margin | 4.17% | 3.19% | 4.06% | 4.80% | Beats 52% | 30 / 63 | |
| Efficiency Ratio | 86.47% | 72.55% | 82.57% | 90.97% | Beats 41% | 38 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.12% | 0.32% | 0.64% | 1.62% | Beats 10% | 58 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 34.60% | 10.13% | 12.81% | 19.70% | Beats 95% | 3 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 34.60% | 10.13% | 12.81% | 19.70% | Beats 95% | 3 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.22% | 55.42% | 71.20% | 87.46% | 86th pctl | 9 / 63 | |
| Loans / Assets | 61.47% | 48.43% | 59.68% | 73.12% | 54th pctl | 29 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||