Houston, TX · Charter 15049
NCUA · 2 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 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
75
Asset Quality
32
Profitability
63
Liquidity
68
Efficiency
54
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 15049
NCUA · 2 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 | 1.52% | 1.58% | 1.51% | 1.38% | 1.23% | 1.08% | 1.23% | 0.52% | -85 bps | |
| Return on Equity | 7.42% | 7.56% | 7.30% | 6.86% | 6.06% | 5.40% | 6.25% | 2.66% | -420 bps | |
| Net Interest Margin | 5.07% | 5.16% | 5.42% | 5.33% | 5.45% | 5.43% | 5.58% | 5.69% | +36 bps | |
| Efficiency Ratio | 74.99% | 73.97% | 76.50% | 76.99% | 78.20% | 79.75% | 78.45% | 81.15% | +416 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.31% | 2.47% | 4.20% | 9.36% | 8.60% | 10.61% | 10.46% | 5.69% | -367 bps | |
| Loan Growth (YoY) | 18.18% | 19.17% | 15.21% | 19.68% | 22.66% | 21.03% | 21.53% | 16.54% | -314 bps | |
| Share Growth (YoY) | -2.72% | 0.72% | 4.32% | 10.92% | 9.47% | 11.70% | 11.82% | 5.99% | -493 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.83% | 0.90% | 1.86% | 1.82% | 1.66% | 1.27% | 1.21% | -65 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 | 20.53% | 20.88% | 20.70% | 20.10% | 20.23% | 19.95% | 19.75% | 19.70% | -40 bps | |
| Net Worth / Assets | 20.53% | 20.88% | 20.70% | 20.10% | 20.23% | 19.95% | 19.75% | 19.70% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.01% | 72.21% | 71.74% | 72.03% | 76.21% | 78.24% | 77.97% | 79.20% | +717 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 15049 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
0.53%
Rank 32 of 63
Net Interest Margin
5.68%
Rank 3 of 63
Efficiency Ratio
81.26%
Rank 30 of 63
Equity / Assets
19.70%
Rank 16 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.11% | 0.53% | 1.19% | Beats 49% | 32 / 63 | ||
| Return on Equity | 2.67% | 1.09% | 3.60% | 6.92% | Beats 44% | 35 / 62 | ||
| Net Interest Margin | 5.68% | 3.19% | 4.06% | 4.80% | Beats 95% | 3 / 63 | ||
| Efficiency Ratio | 81.26% | 72.55% | 82.57% | 90.97% | Beats 54% | 30 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.21% | 0.32% | 0.64% | 1.62% | Beats 32% | 44 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.70% | 10.13% | 12.81% | 19.70% | Beats 75% | 16 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.70% | 10.13% | 12.81% | 19.70% | Beats 75% | 16 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.20% | 55.42% | 71.20% | 87.46% | 57th pctl | 27 / 63 | ||
| Loans / Assets | 62.96% | 48.43% | 59.68% | 73.12% | 59th pctl | 26 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||