Houston, TX · Charter 16271
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 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
40
Asset Quality
33
Profitability
13
Liquidity
0
Efficiency
3
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 16271
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.17% | -0.06% | -0.84% | -0.77% | -86 bps | |
| Return on Equity | 0.73% | 1.38% | -0.49% | -6.65% | -6.02% | -675 bps | |
| Net Interest Margin | 3.81% | 3.95% | 3.97% | 3.32% | 3.42% | -39 bps | |
| Efficiency Ratio | 96.02% | 94.88% | 100.46% | 122.04% | 119.69% | +2,367 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.35% | -7.60% | -5.60% | -8.18% | -9.33% | -498 bps | |
| Loan Growth (YoY) | -13.09% | -19.08% | -21.31% | -27.80% | -36.81% | -2,371 bps | |
| Share Growth (YoY) | -4.02% | -8.45% | -6.31% | -8.96% | -9.32% | -531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 0.64% | 1.34% | 0.77% | 0.84% | 0 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.06% | 12.40% | 12.54% | 12.56% | 12.77% | +72 bps | |
| Net Worth / Assets | 12.06% | 12.40% | 12.54% | 12.56% | 12.77% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.43% | 18.58% | 17.18% | 15.41% | 13.54% | -589 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 16271 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.77%
Rank 221 of 235
Net Interest Margin
3.44%
Rank 164 of 235
Efficiency Ratio
119.09%
Rank 229 of 235
Equity / Assets
12.77%
Rank 140 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | 0.17% | 0.57% | 1.10% | Beats 6% | 221 / 235 | |
| Return on Equity | -6.00% | 1.03% | 4.30% | 7.58% | Beats 4% | 225 / 235 | |
| Net Interest Margin | 3.44% | 3.32% | 3.89% | 4.35% | Beats 30% | 164 / 235 | |
| Efficiency Ratio | 119.09% | 70.60% | 82.00% | 91.57% | Beats 3% | 229 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.83% | 0.20% | 0.59% | 1.14% | Beats 33% | 158 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.77% | 11.30% | 14.41% | 19.49% | Beats 40% | 140 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.77% | 11.30% | 14.41% | 19.49% | Beats 40% | 140 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 13.53% | 54.18% | 67.38% | 81.66% | 0th pctl | 235 / 235 | |
| Loans / Assets | 11.77% | 43.80% | 56.63% | 68.64% | 0th pctl | 235 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||