Beaumont, TX · Charter 15788
NCUA · 3 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
33
Asset Quality
71
Profitability
83
Liquidity
77
Efficiency
66
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.
Beaumont, TX · Charter 15788
NCUA · 3 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 | -0.07% | -0.08% | -0.61% | -1.56% | -2.02% | -2.20% | -0.74% | 2.37% | +392 bps | |
| Return on Equity | -0.54% | -0.64% | -5.01% | -13.27% | -18.82% | -20.27% | -7.05% | 19.51% | +3,278 bps | |
| Net Interest Margin | 4.20% | 4.16% | 3.42% | 3.57% | 3.53% | 3.81% | 3.83% | 3.96% | +39 bps | |
| Efficiency Ratio | 91.75% | 91.84% | 114.97% | 112.62% | 113.96% | 114.01% | 117.79% | 74.65% | -3,797 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.20% | -3.05% | 3.91% | 3.91% | 6.69% | -0.18% | -4.10% | -4.84% | -875 bps | |
| Loan Growth (YoY) | -6.95% | -10.02% | -11.02% | -6.65% | -1.61% | 2.07% | 1.71% | -2.80% | +385 bps | |
| Share Growth (YoY) | -3.97% | -2.82% | 5.84% | 6.82% | 9.22% | 3.70% | -1.81% | -5.50% | -1,232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.88% | 1.42% | 1.03% | 1.38% | 1.04% | 1.04% | 0.30% | -74 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 | 13.10% | 13.05% | 12.19% | 11.73% | 10.74% | 10.87% | 10.52% | 12.13% | +40 bps | |
| Net Worth / Assets | 13.10% | 13.05% | 12.19% | 11.73% | 10.74% | 10.87% | 10.52% | 12.13% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.74% | 78.62% | 70.70% | 70.96% | 71.83% | 77.38% | 73.23% | 72.98% | +202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Beaumont, TX · Charter 15788 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
2.37%
Rank 9 of 235
Net Interest Margin
3.96%
Rank 107 of 235
Efficiency Ratio
74.66%
Rank 80 of 235
Equity / Assets
12.13%
Rank 158 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.37% | 0.17% | 0.57% | 1.10% | Beats 96% | 9 / 235 | ||
| Return on Equity | 19.50% | 1.03% | 4.30% | 7.58% | Beats 100% | 1 / 235 | ||
| Net Interest Margin | 3.96% | 3.32% | 3.89% | 4.35% | Beats 54% | 107 / 235 | ||
| Efficiency Ratio | 74.66% | 70.60% | 82.00% | 91.57% | Beats 66% | 80 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.20% | 0.59% | 1.14% | Beats 71% | 69 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.13% | 11.30% | 14.41% | 19.49% | Beats 33% | 158 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.13% | 11.30% | 14.41% | 19.49% | Beats 33% | 158 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.98% | 54.18% | 67.38% | 81.66% | 60th pctl | 93 / 235 | ||
| Loans / Assets | 63.90% | 43.80% | 56.63% | 68.64% | 67th pctl | 77 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||