Houston, TX · Charter 1584
NCUA · 2 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
11
Asset Quality
86
Profitability
64
Liquidity
28
Efficiency
94
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.
Houston, TX · Charter 1584
NCUA · 2 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 | 0.39% | 0.42% | 0.63% | 0.74% | 0.81% | 0.83% | 1.35% | 1.31% | +57 bps | |
| Return on Equity | 4.87% | 5.29% | 7.91% | 9.13% | 9.79% | 10.15% | 16.14% | 15.37% | +624 bps | |
| Net Interest Margin | 2.06% | 2.07% | 2.44% | 2.47% | 2.52% | 2.53% | 2.88% | 2.87% | +40 bps | |
| Efficiency Ratio | 82.75% | 81.52% | 73.55% | 71.29% | 69.26% | 68.59% | 58.74% | 59.12% | -1,217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.51% | 5.70% | 4.98% | 5.05% | 7.23% | 7.85% | 7.73% | 9.57% | +452 bps | |
| Loan Growth (YoY) | 13.24% | 10.95% | 8.99% | 9.02% | 9.74% | 11.22% | 14.06% | 17.52% | +850 bps | |
| Share Growth (YoY) | 3.12% | 5.58% | 4.18% | 3.96% | 6.45% | 6.79% | 6.74% | 7.54% | +358 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.28% | 0.10% | 0.33% | 0.26% | 0.21% | 0.12% | 0.09% | -24 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 | 8.03% | 7.95% | 7.95% | 8.11% | 8.23% | 8.20% | 8.38% | 8.52% | +41 bps | |
| Net Worth / Assets | 8.03% | 7.95% | 7.95% | 8.11% | 8.23% | 8.20% | 8.38% | 8.52% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.15% | 81.45% | 81.11% | 81.63% | 83.66% | 84.83% | 86.67% | 89.21% | +758 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.11% | 0.53% | 1.19% | Beats 79% | 13 / 63 | ||
| Return on Equity | 15.37% | 1.09% | 3.60% | 6.92% | Beats 98% | 1 / 62 | ||
| Net Interest Margin | 2.87% | 3.19% | 4.06% | 4.80% | Beats 16% | 53 / 63 | ||
| Efficiency Ratio | 59.13% | 72.55% | 82.57% | 90.97% | Beats 94% | 5 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.32% | 0.64% | 1.62% | Beats 86% | 10 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.52% | 10.13% | 12.81% | 19.70% | Beats 11% | 56 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.52% | 10.13% | 12.81% | 19.70% | Beats 11% | 56 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.21% | 55.42% | 71.20% | 87.46% | 79th pctl | 13 / 63 | ||
| Loans / Assets | 81.69% | 48.43% | 59.68% | 73.12% | 95th pctl | 3 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||