Alvin, TX · Charter 15143
NCUA · 4 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
51
Asset Quality
43
Profitability
57
Liquidity
41
Efficiency
52
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.
Alvin, TX · Charter 15143
NCUA · 4 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 | 0.85% | 0.92% | 0.44% | 1.20% | 0.82% | -2 bps | |
| Return on Equity | 6.54% | 6.96% | 3.48% | 9.35% | 6.41% | -13 bps | |
| Net Interest Margin | 3.83% | 3.87% | 3.75% | 3.70% | 3.71% | -12 bps | |
| Efficiency Ratio | 81.16% | 81.67% | 89.72% | 76.89% | 82.47% | +131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.50% | 0.89% | 4.80% | 1.99% | 3.99% | +248 bps | |
| Loan Growth (YoY) | -1.37% | -2.72% | -4.80% | -5.72% | -8.54% | -717 bps | |
| Share Growth (YoY) | 0.49% | -0.15% | 4.45% | 1.11% | 2.88% | +239 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.78% | 0.61% | 0.56% | 0.77% | +31 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 | 12.93% | 13.27% | 12.63% | 12.85% | 12.87% | -6 bps | |
| Net Worth / Assets | 12.93% | 13.27% | 12.63% | 12.85% | 12.87% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.08% | 63.75% | 60.30% | 58.78% | 56.97% | -711 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alvin, TX · Charter 15143 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 4 branches
Q2 2026
Return on Assets
0.82%
Rank 23 of 63
Net Interest Margin
3.71%
Rank 38 of 63
Efficiency Ratio
82.50%
Rank 31 of 63
Equity / Assets
12.87%
Rank 31 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.11% | 0.53% | 1.19% | Beats 63% | 23 / 63 | |
| Return on Equity | 6.41% | 1.09% | 3.60% | 6.92% | Beats 69% | 19 / 62 | |
| Net Interest Margin | 3.71% | 3.19% | 4.06% | 4.80% | Beats 40% | 38 / 63 | |
| Efficiency Ratio | 82.50% | 72.55% | 82.57% | 90.97% | Beats 52% | 31 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.77% | 0.32% | 0.64% | 1.62% | Beats 43% | 37 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.87% | 10.13% | 12.81% | 19.70% | Beats 51% | 31 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.87% | 10.13% | 12.81% | 19.70% | Beats 51% | 31 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.97% | 55.42% | 71.20% | 87.46% | 27th pctl | 46 / 63 | |
| Loans / Assets | 49.26% | 48.43% | 59.68% | 73.12% | 27th pctl | 46 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||