Bay City, TX · Charter 15563
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 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
82
Asset Quality
30
Profitability
81
Liquidity
33
Efficiency
99
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.
Bay City, TX · Charter 15563
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 | 2.26% | 2.38% | 2.16% | 2.35% | 2.50% | +24 bps | |
| Return on Equity | 10.65% | 10.87% | 9.83% | 10.92% | 11.47% | +82 bps | |
| Net Interest Margin | 3.93% | 4.03% | 3.84% | 4.05% | 3.92% | 0 bps | |
| Efficiency Ratio | 47.35% | 47.69% | 50.58% | 44.14% | 43.69% | -366 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.17% | 4.70% | 6.56% | 6.70% | 8.50% | +533 bps | |
| Loan Growth (YoY) | -2.71% | -2.72% | 2.22% | 1.27% | -0.51% | +220 bps | |
| Share Growth (YoY) | 1.28% | 3.04% | 5.34% | 5.52% | 7.72% | +644 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.58% | 0.97% | 0.80% | 0.77% | 1.01% | -57 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 | 21.24% | 21.86% | 21.93% | 21.55% | 21.79% | +54 bps | |
| Net Worth / Assets | 21.24% | 21.86% | 21.93% | 21.55% | 21.79% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.94% | 53.43% | 54.60% | 51.20% | 49.82% | -412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bay City, TX · Charter 15563 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 4 branches
Q2 2026
Return on Assets
2.50%
Rank 5 of 235
Net Interest Margin
3.93%
Rank 111 of 235
Efficiency Ratio
43.66%
Rank 4 of 235
Equity / Assets
21.79%
Rank 43 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.50% | 0.17% | 0.57% | 1.10% | Beats 98% | 5 / 235 | |
| Return on Equity | 11.47% | 1.03% | 4.30% | 7.58% | Beats 91% | 22 / 235 | |
| Net Interest Margin | 3.93% | 3.32% | 3.89% | 4.35% | Beats 53% | 111 / 235 | |
| Efficiency Ratio | 43.66% | 70.60% | 82.00% | 91.57% | Beats 99% | 4 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.01% | 0.20% | 0.59% | 1.14% | Beats 30% | 166 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.79% | 11.30% | 14.41% | 19.49% | Beats 82% | 43 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.79% | 11.30% | 14.41% | 19.49% | Beats 82% | 43 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.82% | 54.18% | 67.38% | 81.66% | 19th pctl | 191 / 235 | |
| Loans / Assets | 38.83% | 43.80% | 56.63% | 68.64% | 18th pctl | 193 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||