Houston, TX · Charter 17067
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
63
Asset Quality
40
Profitability
7
Liquidity
20
Efficiency
5
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 17067
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 | -1.34% | -1.39% | -1.45% | -2.42% | -2.11% | -77 bps | |
| Return on Equity | -7.92% | -7.60% | -7.99% | -14.21% | -13.49% | -557 bps | |
| Net Interest Margin | 2.77% | 3.26% | 3.36% | 2.74% | 2.64% | -13 bps | |
| Efficiency Ratio | 142.16% | 137.80% | 138.89% | 148.04% | 158.14% | +1,598 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.31% | -9.24% | -8.96% | -5.47% | -8.35% | -1,866 bps | |
| Loan Growth (YoY) | 5.29% | -9.48% | -11.50% | -6.11% | -7.53% | -1,282 bps | |
| Share Growth (YoY) | 14.08% | -10.07% | -8.03% | -5.51% | -7.49% | -2,157 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 2.42% | 1.72% | 2.34% | 0.93% | +72 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 | 16.89% | 18.23% | 18.12% | 17.02% | 15.65% | -124 bps | |
| Net Worth / Assets | 16.89% | 18.23% | 18.12% | 17.02% | 15.65% | -124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.03% | 56.92% | 53.47% | 53.97% | 52.00% | -2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 17067 · 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
-2.11%
Rank 60 of 63
Net Interest Margin
2.67%
Rank 57 of 63
Efficiency Ratio
158.14%
Rank 61 of 63
Equity / Assets
15.65%
Rank 23 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.11% | 0.11% | 0.53% | 1.19% | Beats 5% | 60 / 63 | |
| Return on Equity | -13.45% | 1.09% | 3.60% | 6.92% | Beats 6% | 58 / 62 | |
| Net Interest Margin | 2.67% | 3.19% | 4.06% | 4.80% | Beats 10% | 57 / 63 | |
| Efficiency Ratio | 158.14% | 72.55% | 82.57% | 90.97% | Beats 5% | 61 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.97% | 0.32% | 0.64% | 1.62% | Beats 40% | 39 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.65% | 10.13% | 12.81% | 19.70% | Beats 63% | 23 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.65% | 10.13% | 12.81% | 19.70% | Beats 63% | 23 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.99% | 55.42% | 71.20% | 87.46% | 21st pctl | 50 / 63 | |
| Loans / Assets | 43.54% | 48.43% | 59.68% | 73.12% | 19th pctl | 51 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||