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Members Trust of the Southwest

Houston, TX · Charter 1584

NCUA · 2 branches

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 the Houston-Pasadena-The Woodlands, TX area3

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 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.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

94

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

Members Trust of the Southwest

Houston, TX · Charter 1584

NCUA · 2 branches

Q2 2026

$273.7MAssets
$223.6MLoans
$250.7MShares
$23.3MNet 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 1.31%, up 57 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.09% of loans (-24 bps YoY).
  • Capital: net worth / assets of 8.52%, up 41 bps from a year ago.
  • Funding: loans stand at 89.21% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+57 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+40 bps YoY

Efficiency Ratio (YTD, annualized)

59.12%-1,217 bps YoY

Net Worth / Assets

8.52%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.81%0.83%1.35%1.31%+57 bps
Return on Equity9.13%9.79%10.15%16.14%15.37%+624 bps
Net Interest Margin2.47%2.52%2.53%2.88%2.87%+40 bps
Efficiency Ratio71.29%69.26%68.59%58.74%59.12%-1,217 bps
Growth
Asset Growth (YoY)5.05%7.23%7.85%7.73%9.57%+452 bps
Loan Growth (YoY)9.02%9.74%11.22%14.06%17.52%+850 bps
Share Growth (YoY)3.96%6.45%6.79%6.74%7.54%+358 bps
Asset Quality
Delinquent Loans / Loans0.33%0.26%0.21%0.12%0.09%-24 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 Capital8.11%8.23%8.20%8.38%8.52%+41 bps
Net Worth / Assets8.11%8.23%8.20%8.38%8.52%+41 bps
Liquidity & Funding
Loans / Shares81.63%83.66%84.83%86.67%89.21%+758 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

Members Trust of the Southwest

Houston, TX · Charter 1584 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)

NCUA · 2 branches

Q2 2026

$273.7MAssets
$223.6MLoans
$250.7MShares
$23.3MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 98% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 1 of 62).
  • Widest gap: equity / assets trails 89% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 56 of 63).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.31%

Rank 13 of 63

Net Interest Margin

2.87%

Rank 53 of 63

Efficiency Ratio

59.13%

Rank 5 of 63

Equity / Assets

8.52%

Rank 56 of 63

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.11%0.53%1.19%Beats 79%13 / 63
Return on Equity15.37%1.09%3.60%6.92%Beats 98%1 / 62
Net Interest Margin2.87%3.19%4.06%4.80%Beats 16%53 / 63
Efficiency Ratio59.13%72.55%82.57%90.97%Beats 94%5 / 63
Asset Quality
Nonperforming Loans / Loans0.09%0.32%0.64%1.62%Beats 86%10 / 63
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.52%10.13%12.81%19.70%Beats 11%56 / 63
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.52%10.13%12.81%19.70%Beats 11%56 / 63
Liquidity & Funding
Loans / Deposits89.21%55.42%71.20%87.46%79th pctl13 / 63
Loans / Assets81.69%48.43%59.68%73.12%95th pctl3 / 63
Brokered Deposits / Depositsn/aNot reported for this institution