La Joya, TX · Charter 14734
NCUA · 3 branches
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
22
Asset Quality
13
Profitability
36
Liquidity
53
Efficiency
17
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.
La Joya, TX · Charter 14734
NCUA · 3 branches
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 | 0.25% | 0.20% | 0.05% | 0.09% | 0.06% | -19 bps | |
| Return on Equity | 2.33% | 1.77% | 0.44% | 0.85% | 0.58% | -175 bps | |
| Net Interest Margin | 4.15% | 4.39% | 4.51% | 4.13% | 4.13% | -2 bps | |
| Efficiency Ratio | 91.80% | 91.22% | 94.26% | 92.86% | 95.06% | +327 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.27% | -2.93% | -1.55% | -2.66% | -1.88% | -60 bps | |
| Loan Growth (YoY) | -11.37% | -9.76% | -7.75% | -8.88% | -9.21% | +216 bps | |
| Share Growth (YoY) | -1.59% | -3.33% | -1.65% | -2.99% | -1.56% | +4 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 0.76% | 1.89% | 1.61% | 2.07% | +111 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 | 10.64% | 11.14% | 11.29% | 10.89% | 10.82% | +18 bps | |
| Net Worth / Assets | 10.64% | 11.14% | 11.29% | 10.89% | 10.82% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.69% | 62.57% | 61.81% | 57.02% | 55.05% | -464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
La Joya, TX · Charter 14734 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
0.06%
Rank 189 of 235
Net Interest Margin
4.13%
Rank 76 of 235
Efficiency Ratio
95.06%
Rank 196 of 235
Equity / Assets
10.82%
Rank 184 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.17% | 0.57% | 1.10% | Beats 20% | 189 / 235 | |
| Return on Equity | 0.56% | 1.03% | 4.30% | 7.58% | Beats 21% | 186 / 235 | |
| Net Interest Margin | 4.13% | 3.32% | 3.89% | 4.35% | Beats 68% | 76 / 235 | |
| Efficiency Ratio | 95.06% | 70.60% | 82.00% | 91.57% | Beats 17% | 196 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.07% | 0.20% | 0.59% | 1.14% | Beats 13% | 206 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.82% | 11.30% | 14.41% | 19.49% | Beats 22% | 184 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.82% | 11.30% | 14.41% | 19.49% | Beats 22% | 184 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.05% | 54.18% | 67.38% | 81.66% | 26th pctl | 174 / 235 | |
| Loans / Assets | 47.89% | 43.80% | 56.63% | 68.64% | 31st pctl | 161 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||