Houston, TX · Charter 14762
NCUA · 22 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 $1B-$10B in assets (n=435). 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
23
Profitability
30
Liquidity
59
Efficiency
51
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 14762
NCUA · 22 branches
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 | 0.39% | 0.12% | 0.15% | 0.32% | 0.38% | 0.02% | 0.49% | 0.58% | +26 bps | |
| Return on Equity | 3.27% | 0.99% | 1.24% | 2.70% | 3.21% | 0.21% | 4.15% | 4.87% | +216 bps | |
| Net Interest Margin | 2.73% | 2.75% | 2.79% | 2.88% | 2.94% | 2.64% | 3.21% | 3.23% | +36 bps | |
| Efficiency Ratio | 76.81% | 77.94% | 78.02% | 74.53% | 73.96% | 82.36% | 72.51% | 71.28% | -324 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.63% | -0.21% | 0.92% | 1.25% | 0.21% | 0.35% | -1.24% | -0.59% | -184 bps | |
| Loan Growth (YoY) | 5.83% | 4.33% | -0.38% | -4.26% | -5.55% | -6.09% | -3.07% | 0.65% | +491 bps | |
| Share Growth (YoY) | 0.14% | -0.23% | 0.64% | 0.85% | -0.98% | -0.76% | -1.95% | -1.01% | -186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.78% | 0.66% | 0.94% | 0.86% | 1.18% | 0.99% | 1.08% | +14 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.96% | 11.82% | 11.72% | 11.86% | 11.97% | 11.73% | 11.91% | 12.01% | +16 bps | |
| Net Worth / Assets | 11.96% | 11.82% | 11.72% | 11.86% | 11.97% | 11.73% | 11.91% | 12.01% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.76% | 80.71% | 77.77% | 77.40% | 77.03% | 76.37% | 76.88% | 78.70% | +130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 14762 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
Return on Assets
0.58%
Rank 316 of 435
Net Interest Margin
3.23%
Rank 263 of 435
Efficiency Ratio
71.28%
Rank 215 of 435
Equity / Assets
12.01%
Rank 140 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.55% | 0.81% | 1.14% | Beats 27% | 316 / 435 | ||
| Return on Equity | 4.87% | 5.12% | 7.41% | 9.70% | Beats 23% | 335 / 435 | ||
| Net Interest Margin | 3.23% | 3.01% | 3.39% | 3.75% | Beats 40% | 263 / 435 | ||
| Efficiency Ratio | 71.28% | 65.25% | 71.39% | 77.86% | Beats 51% | 215 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.08% | 0.45% | 0.69% | 1.05% | Beats 23% | 334 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.01% | 9.81% | 10.84% | 12.63% | Beats 68% | 140 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.01% | 9.81% | 10.84% | 12.63% | Beats 68% | 140 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.70% | 78.33% | 88.38% | 95.61% | 26th pctl | 321 / 435 | ||
| Loans / Assets | 69.03% | 67.69% | 74.58% | 80.80% | 30th pctl | 305 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||