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H E B

San Antonio, TX · Charter 15650

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in TX3

Basis

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.

Peer group

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.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

H E B

San Antonio, TX · Charter 15650

NCUA · 1 branch

Q2 2026

$218.2MAssets
$152.1MLoans
$172.6MShares
$40.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.95%, up 17 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.19% of loans (+11 bps YoY).
  • Capital: net worth / assets of 18.31%, up 40 bps from a year ago.
  • Funding: loans stand at 88.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+1 bps YoY

Efficiency Ratio (YTD, annualized)

79.83%-278 bps YoY

Net Worth / Assets

18.31%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.86%1.04%0.93%0.95%+17 bps
Return on Equity4.35%4.72%5.74%5.14%5.16%+81 bps
Net Interest Margin3.96%4.03%3.96%3.89%3.97%+1 bps
Efficiency Ratio82.61%81.69%78.78%80.95%79.83%-278 bps
Growth
Asset Growth (YoY)3.03%5.07%2.66%3.16%4.21%+118 bps
Loan Growth (YoY)9.51%11.01%11.43%8.44%3.26%-624 bps
Share Growth (YoY)2.93%4.35%2.11%2.62%3.75%+82 bps
Asset Quality
Delinquent Loans / Loans0.07%0.18%0.24%0.14%0.19%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.92%18.13%18.13%18.08%18.31%+40 bps
Net Worth / Assets17.92%18.13%18.13%18.08%18.31%+40 bps
Liquidity & Funding
Loans / Shares88.52%92.35%90.41%87.71%88.11%-41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

H E B

San Antonio, TX · Charter 15650 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 1 branch

Q2 2026

$218.2MAssets
$152.1MLoans
$172.6MShares
$40.0MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets in TX (rank 57 of 235).
  • Widest gap: efficiency ratio trails 45% of credit unions under $1B in assets in TX (rank 107 of 235).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

0.94%

Rank 74 of 235

Net Interest Margin

3.97%

Rank 103 of 235

Efficiency Ratio

79.84%

Rank 107 of 235

Equity / Assets

18.31%

Rank 68 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.94%0.17%0.57%1.10%Beats 69%74 / 235
Return on Equity5.16%1.03%4.30%7.58%Beats 58%99 / 235
Net Interest Margin3.97%3.32%3.89%4.35%Beats 56%103 / 235
Efficiency Ratio79.84%70.60%82.00%91.57%Beats 55%107 / 235
Asset Quality
Nonperforming Loans / Loans0.19%0.20%0.59%1.14%Beats 76%57 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.31%11.30%14.41%19.49%Beats 71%68 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.31%11.30%14.41%19.49%Beats 71%68 / 235
Liquidity & Funding
Loans / Deposits88.11%54.18%67.38%81.66%84th pctl37 / 235
Loans / Assets69.70%43.80%56.63%68.64%77th pctl55 / 235
Brokered Deposits / Depositsn/aNot reported for this institution