Pasadena, TX · Charter 14656
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
78
Asset Quality
78
Profitability
88
Liquidity
0
Efficiency
90
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.
Pasadena, TX · Charter 14656
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 | 1.58% | 1.65% | 1.89% | 1.44% | 2.15% | +56 bps | |
| Return on Equity | 8.18% | 8.29% | 9.67% | 7.13% | 10.21% | +204 bps | |
| Net Interest Margin | 4.67% | 4.74% | 4.63% | 4.65% | 4.84% | +17 bps | |
| Efficiency Ratio | 67.82% | 67.12% | 67.45% | 57.22% | 61.63% | -619 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.32% | 2.86% | 2.48% | 4.14% | -0.21% | -553 bps | |
| Loan Growth (YoY) | -3.36% | 0.53% | 12.71% | 11.92% | 14.78% | +1,814 bps | |
| Share Growth (YoY) | 3.92% | 1.33% | 0.60% | 3.52% | -1.93% | -585 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 0.74% | 0.15% | 0.17% | 0.26% | -102 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 | 19.37% | 19.93% | 19.52% | 20.21% | 21.01% | +164 bps | |
| Net Worth / Assets | 19.37% | 19.93% | 19.52% | 20.21% | 21.01% | +164 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.85% | 38.15% | 39.92% | 39.61% | 43.14% | +628 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pasadena, TX · Charter 14656 · 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
2.14%
Rank 3 of 63
Net Interest Margin
4.84%
Rank 14 of 63
Efficiency Ratio
61.64%
Rank 7 of 63
Equity / Assets
21.01%
Rank 14 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.14% | 0.11% | 0.53% | 1.19% | Beats 95% | 3 / 63 | |
| Return on Equity | 10.20% | 1.09% | 3.60% | 6.92% | Beats 90% | 6 / 62 | |
| Net Interest Margin | 4.84% | 3.19% | 4.06% | 4.80% | Beats 78% | 14 / 63 | |
| Efficiency Ratio | 61.64% | 72.55% | 82.57% | 90.97% | Beats 90% | 7 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.32% | 0.64% | 1.62% | Beats 78% | 15 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.01% | 10.13% | 12.81% | 19.70% | Beats 78% | 14 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.01% | 10.13% | 12.81% | 19.70% | Beats 78% | 14 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.13% | 55.42% | 71.20% | 87.46% | 6th pctl | 59 / 63 | |
| Loans / Assets | 33.90% | 48.43% | 59.68% | 73.12% | 6th pctl | 59 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||