Deer Park, TX · Charter 16061
NCUA · 1 branch
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
84
Asset Quality
100
Profitability
83
Liquidity
37
Efficiency
79
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.
Deer Park, TX · Charter 16061
NCUA · 1 branch
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 | 1.82% | 0.64% | 1.66% | 1.61% | 1.61% | 1.45% | 1.26% | 1.55% | -5 bps | |
| Return on Equity | 8.30% | 3.16% | 7.92% | 7.48% | 7.59% | 7.09% | 5.92% | 7.16% | -32 bps | |
| Net Interest Margin | 4.89% | 4.74% | 5.09% | 5.15% | 5.06% | 4.76% | 4.78% | 4.95% | -21 bps | |
| Efficiency Ratio | 64.09% | 65.13% | 68.67% | 70.22% | 69.50% | 70.97% | 74.64% | 70.15% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | 6.91% | 4.29% | 2.69% | 5.87% | 7.43% | 5.98% | 6.49% | +381 bps | |
| Loan Growth (YoY) | 6.99% | 4.09% | 7.21% | 8.40% | 6.03% | 9.03% | 1.89% | 0.93% | -747 bps | |
| Share Growth (YoY) | 1.99% | 7.87% | 4.09% | 3.53% | 6.53% | 7.37% | 5.90% | 4.96% | +143 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.82% | 1.46% | 0.00% | 0.33% | 0.06% | 0.28% | 0.00% | 0.01% | -33 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 | 0.22% | 0.01% | 0.01% | 0.01% | 0.44% | 0.39% | 0.39% | 0.39% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.90% | 20.38% | 20.98% | 21.51% | 21.24% | 20.41% | 21.20% | 21.70% | +19 bps | |
| Net Worth / Assets | 21.90% | 20.38% | 20.98% | 21.51% | 21.24% | 20.41% | 21.20% | 21.70% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.06% | 81.94% | 88.24% | 90.32% | 88.65% | 83.20% | 84.89% | 86.86% | -346 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Deer Park, TX · Charter 16061 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
1.55%
Rank 8 of 63
Net Interest Margin
4.94%
Rank 10 of 63
Efficiency Ratio
70.16%
Rank 14 of 63
Equity / Assets
21.70%
Rank 10 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.55% | 0.11% | 0.53% | 1.19% | Beats 87% | 8 / 63 | ||
| Return on Equity | 7.17% | 1.09% | 3.60% | 6.92% | Beats 79% | 13 / 62 | ||
| Net Interest Margin | 4.94% | 3.19% | 4.06% | 4.80% | Beats 84% | 10 / 63 | ||
| Efficiency Ratio | 70.16% | 72.55% | 82.57% | 90.97% | Beats 79% | 14 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.32% | 0.64% | 1.62% | Beats 100% | 8 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.70% | 10.13% | 12.81% | 19.70% | Beats 84% | 10 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.70% | 10.13% | 12.81% | 19.70% | Beats 84% | 10 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.86% | 55.42% | 71.20% | 87.46% | 73rd pctl | 17 / 63 | ||
| Loans / Assets | 67.37% | 48.43% | 59.68% | 73.12% | 65th pctl | 22 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||