JSC
Houston, TX · Charter 14762 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
$2.6BAssets
$1.8BLoans
$2.3BShares
$317.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 68% of credit unions $1B-$10B in assets (rank 140 of 435).
- Widest gap: nonperforming loans / loans trails 77% of credit unions $1B-$10B in assets (rank 334 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |